Real Closed File Review – Florida ☀️🏡

marketing928870
Dec 4, 2025
2 min read

Updated: Dec 30, 2025

Another successful closing in the Sunshine State! Our client secured a beautiful Florida property using a Non-QM loan the perfect solution for borrowers who may not fit traditional lending guidelines but are financially strong.

Let’s break down this winning deal:

📊 Loan Snapshot

💰 Purchase Price: $507,000
🏦 Loan Amount: $405,600
📈 Interest Rate: 6.49% (Fixed)
💵 Principal & Interest: $2,561.00
📑 Estimated Escrow: $1,232.44
✅ Total Monthly Payment: $3,793.44
💵 Closing Costs: $24,047.49 (~4.74% of purchase price)
💰 Cash to Close: $108,529.86
📄 Loan Type: NON-QM
📍 Location: Florida

Why This Deal Worked: Non-QM Flexibility

This Florida homebuyer took advantage of a Non-QM (Non-Qualified Mortgage) loan a game-changer for individuals with strong assets but unconventional income documentation.

These programs are ideal for:

✔️ Self-employed borrowers

✔️ 1099 earners

✔️ Business owners

✔️ Real estate investors

✔️ Anyone with complex tax returns or non-traditional income structures

With flexible underwriting and no traditional income documentation, Non-QM loans open the door to homeownership for clients who otherwise may not qualify.

Our Expertise Makes Tough Files Easy

Even the most complex files can close smoothly and efficiently with the right structure and that’s exactly what we deliver at the LJ Mortgage Team.

Whether you're buying in Florida, New York, or anywhere across the country, we bring the knowledge, strategy, and dedication to get you approved.

If you're exploring your options or unsure which loan fits your scenario, we’re here to guide you every step of the way.

LJ — Your Local Guide to Homeownership! 🏡

LJ Mortgage Team Inc. | NMLS# 2120286

Purchase & Refinance127-03 Rockaway Blvd

South Ozone Park, NY 11420

📞 (516) 218-1297

LJ Realty Team Buy • Sell • Rent Equal Housing Opportunity

NYS Registered Mortgage Broker — NYS Dept. of Financial Services. Broker arranges mortgage loans with third-party providers. Mortgage Broker Only — Not a Mortgage Lender or Correspondent Lender. Licensed by the NJ Department of Banking and Insurance. NMLS ID #2120286 — Visit nmlsconsumeraccess.org

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