- Tel: (+1) 800-606-0772
- Lun → Vie : 10am-5pm
- Email: info@plusmoreusa.com
HAVE THEM TAKE ADVANTAGE
OF THEIR FUTURE UTILITY BILLS
AND GET THEM THEIR DOWN PAYMENT ADVANCES TODAY
ADVANCES
THE DOWN PAYMENT PROGRAM
A group of investors and an innovative residential renewable energy company have come together through PlusMoreUsa to create
ADVANCES
The Down Payment Program
With this project, every month, five (5) families will receive NOW! up to $30,000 in advances for down payments and/or closing costs for their primary home purchases in select counties in Central Florida.
THEIR TAX FILINGS
IS THE MAIN KEY THAT WILL ALLOW YOUR CUSTOMERS TO OPEN THE DOOR OF THEIR HOMES
INCOME TAX
FILINGS
Our team of accountants and affiliated CPAs will review your clients’ last two federal tax returns in search for missed tax credits or errors. Additionally, we use an AI-powered software used solely or in tandem with Robotics Process Automation (RPA) to search within the 6,871 pages contained in the tax laws of the United States, for tax codes that will benefit your clients so they are able to max out their purchasing power.
INCOME CAPACITY
Lenders will total your client's income (W-2) or profit (1099-NEC) and/or current P&L Statements and divide that by 24 months. The monthly average must be equal to 50% or less of your customers' total monthly expenses (DTI) for programs like FHA.
JOB CONTINUITY
Lenders will verify that your clients have been working at the same company for the last 24 months. If they don't have a 24-month job history at the same company, they will verify that your clients have been in the same line of work or industry, it helps them get qualified.
INTANGIBLE INCOME
Lenders will take into consideration, other intangible factors add up to qualifying income or profit, such as business miles and/or tax depreciation for the use of business tools or items.
REALTY IS YOUR BUSINESS
DO NOT LOSE COMMISSIONS OUT OF YOUR SUB-PRIME CLIENTS
CO-BROKER YOUR
SUB-PRIMED CLIENTS
Keep closing your prime clients and delegate those clients impossible to close due to lack of a down payment to our team of affiliated realtors and collect amazing passive and active commissions.
ONE
(Passive Commissions)
-
Refer Sub-Prime Clients
TWO
(Active Commissions)
-
Refer Clients For Program Pre-Approval
-
Do Property Search(es) and Do Showings
-
Prepare Offers and Order Property Inspection
YOUR PARTICIPATION
-
Refer Unclosed Clients
-
Do Property Search(es) and Present Offer(s)
-
Collect Buyer's Documentations Required by Lenders
-
Do Final Walk-Through and Show Up at the Closings.
AFFILIATED LENDERS
WITH FHA LOANS, CONVENTIONAL AND OTHER MORTGAGE PROGRAMS
MORTGAGE LOAN
PRE APPROVAL
Your clients are pre-qualified and get their mortgage loans pre-approved via our affiliated lenders. Don’t get discourage if your clients have low scores.
CREDIT REPORT
The Lenders will do soft pull of your clients credit reports from the three agencies or credit bureau (TransUnion, Experian, Equifax) to avoid hit on their scores . After pre-approval letter is generated, the main report is pulled. This report is called the Tri-Merged Mortgage Credit Report. It’s more detailed, and the scores are usually not the same as what your clients get on Credit Karma or other credit report apps. There is no need to stress if their credit scores need a little push up to qualify with the Rescoring Services by the lenders.
RESCORING SERVICE
Our affiliated Lenders have the extra paid service to improve quickly your client's credit scores. The service is called Rescoring. The process is to project fast simulations and strategies to increase your clients' scores and have those scores in their credit report within five days or less.
KNOW THEIR MONTHLY DEBTS
Lenders check your clients' current monthly debt payments (not the total amount owed) reflected in their credit reports and add to that total the monthly mortgage payment or PITI (Principal, Interest, Taxes and Insurance). That total new monthly payment must be 50% or less of their gross income in the last 24 months (known as DTI) to qualify for the FHA mortgage program for first-time homebuyer.
APPLY HERE FOR
ADVANCES
THE DOWN PAYMENT PROGRAM
Important: The program is available only for first time and second home buyers in certain counties in the State of Florida. The money is not a loan, but a capital advance for future installation of utility equipment. Advances have a processing fee. Minimun required credit score for this program is 680 to qualify.
FAQs
Brief list of FAQs
iS THIS THE HERO PROGRAM?
NO. The HERO Program is an amazing program, but it is a hidden second mortgage that has to be repay when your clients sell or refinance. The funds for that program is almost depleted.
how can my clients use the funds before closing?
Our investors give the advances prior to closing to the title company.
I am a realtor with a split with my broker, how can we co-broker?
Talk to your broker about these deals to get an approval. Or contact us for more details.
my clients want to close now but there is no space this month?
Contact us. Sometime the we have current clients who run into issues with their builders or other issues with delayed closing and we can get the funds for your client to close.
Can i use my own lenders?
No. ADVANCES is an exclusive program where our affiliate lenders have handled plenty of these cases and have not issues with their underwriters and/or investors with our down payment program.
© 2018-2022 PlusMoreUsa Financial & Marketing Services LLC.
- 13538 Village Park Dr, Suite 265, Orlando, FL 32837
- 1.800.606.0772
- info@plusmoreusa.com
- 1.407.319.1306