Meet Antonio Stewart

Mortgage Banking Specialist

Antonio is a U.S. Marine Veteran dedicated to helping homebuyers realize their dream of homeownership by matching them with the best Florida mortgage programs that meet their needs.

With over 18 years of finance experience, Antonio is well versed in nearly all aspects of mortgage lending. This means he can guide his clients through the entire mortgage process—from loan origination through closing—with a high level of service and care. Whether you’re a first-time homebuyer, looking to trade up, deciding to downsize, or simply wishing for a change, Antonio will assist you on your journey.

Some of Antonio's additional experience:

Over 10 years of experience in Federal Real Estate
Over 15 years as a fiduciary of the Federal Government

Mortgage Programs

Antonio specializes in the mortgage programs and real estate loans below. Contact him for more information.

Conventional Mortgage Loans

Conventional Florida mortgage loans (and conventional home loans in general) include mortgage programs such as:

First time buyer home program
Conforming conventional loans (Fannie Mae or Freddie Mac).
Nonconforming conventional loans
Adjustable-rate conventional loans
Low-down-payment conventional loans

These real estate loans offer several advantages, including:

Low down payment
Up to $647,200 loan amount, with higher amounts available in some areas
Available for owner-occupied, second home, or investment properties

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VA Home Loans

VA home loans for Active Military and Veterans are popular among our active and retired military, and for good reason. As one of the best loans available, they provide some amazing benefits, including:

100% financing, meaning no down payment
No monthly mortgage insurance
Less stringent credit score requirements
Flexible debt to income ratios
More favorable underwriting criteria
Credit scores 640 and higher are ideal, but scores between 580 to 639 can be accepted with additional requirements.
No loan limits - income has to support the loan payments

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FHA Home Loans

FHA home loans are ideal for first-time homebuyers purchasing their starter home or forever home. An FHA home loan is easier to qualify for than a conventional loan because:

An FHA down payment is lower (3.5%)
They accept a less than perfect credit score
Higher debt to income ratios are acceptable in the FHA requirements, more first-time borrowers are able to qualify using this product than any other product.

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Bank Statement Loans

Bank statement loans are ideal for the self-employed looking for a mortgage for their primary or secondary residence. These real estate loans allow self-employed borrowers to secure a mortgage with:

The last 12 months of personal and/or business bank statements.
Proof of Self Employment via business license or state's business registrar registration

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Investment Loans

Investment loans or Debt Service Coverage Ratio (DSCR) loans are perfect for non-owner and portfolio real estate purchases. Our Investor Connect allow us to accommodate high-net-worth and self-employed borrowers. Some advantages include:

DSCR loans are qualified based on rental property income
No personal tax returns or income required
Credit scores as low as 660 accepted
Up to 85% Loan to Value (LTV)
SF, 2-4 Units, and Condos are acceptable for the program
Up to 15 properties per loan

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One Time Close Construction Loans

One Time or Single Close Construction Loans are mortgage loans for Manufactured, Modular, and Site Built properties. They are a single loan to finance the construction, lot purchase, and permanent mortgage. What does this mean for you?

No need to re-qualify or incur additional closing costs
No additional appraisals
Simplified the construction and purchase process
Conventional loans with up to 97% Loan to Value
FHA/VA/USDA loans with a low 3.5% down payment or no down payment

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Renovation Mortgage Loans

Renovation Mortgages work like single close construction loans, but for existing homes. These one-time close loans allow borrowers to purchase a home that requires repairs, or refinance their existing home, all while including the repair or renovation costs within the loan balance. How does this home loan help you?

Loan amount is based on the “as-completed” value of the home
No required improvements or a minimum dollar amount for the repairs
Several home loan programs are available, including Conventional, FHA, and VA

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Antonio T. Stewart
NMLS: 2104545 | 2140913
Mortgage Banking Specialist
Florida Mortgage Providers, Inc.
m: 321-360-2565
e: Antonio@flmproviders.com