Meet Giles

President & Lead Mortgage Loan Specialist

Florida Mortgage Providers, Inc President, Giles Wardian is a Licensed Florida Mortgage Loan Originator that has been serving Florida residents with the best home loan programs for over twenty years.

In 2001, he started his own mortgage brokerage firm in Central Florida, Christian Mortgage Services, Inc, where he adapted to a team business model to allow his mortgage broker team to focus on customer service and matching clients with the best mortgage loan programs. In 2011, Giles joined Innovative Mortgage Services where he supported first-time homebuyers, investors, and seniors, among others, with their home purchases.

Now at Florida Mortgage Providers, Inc, Giles leverages these experiences and knowledge of the Florida mortgage market to offer superior service and more mortgage loan programs than the banks. With this competitive edge, aggressive pricing, and the best in service, Giles continues to grow his mortgage business through referrals from satisfied clients and Realtor professionals alike.

Mortgage Programs

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

Traditional Loans

Traditional loan programs have a variety of advantages, including low to no down payment home loans and flexible loan amounts. These home loan programs include:

Conforming Loan Program
VA Loan Program
FHA Loan Program
USDA Rural Home Loan Program

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Jumbo Loans

Jumbo home loans are a group of mortgage loan programs best suited for those needing larger loan amounts. The ideal home buyer would have a credit score greater than 700 and a larger income level. Below are the two home loan programs in this category:

Jumbo Elite Loans - Provides up to $2,000,000 in financing, requires at least a 20% downpayment, and can be an owner-occupied or secondary residence.
Piggyback Home Loans - Provides up to $800,000 in financing, requires at least a 10% downpayment, includes a 1st and 2nd mortgage, and must be owner-occupied.

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Investor Loans

Giles is experienced in matching both domestic and international investors with the perfect real estate loan program to fit their needs in Florida. Below are some of the highlights of these mortgage programs:

Domestic Investor - 20% downpayment required, savings available for 25%), 740 credit score and above, loan limit of $647,200, but higher available, and 6 months reserves required
Foreign Investor - 25% downpayment required, savings available for 25%), no credit score required, loan limit of $750,000, and 12 months reserves required

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Alternative Income Verification Loan Programs

If you're self-employed or a real estate investor, you may require alternative income verification for new home mortgage loans in Florida. If you fall into one of these categories, our income per bank statement and asset depletion loan programs might be the ideal choice for an owner-occupied or second residence. Some highlights of these mortgage programs include:

Between 65% and 80% of financing available
Middle credit score requirements

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Adverse Credit Exception Mortgage Programs

If you've experienced a recent housing event or bankruptcy, you can still qualify for a Florida home loan. Giles works with home buyers looking to re-establish their credit through homeownership through the following home loan programs:

More than 18 months since the housing event/bankruptcy

Down payment of 25%
Credit scores of 660 or better accepted
75% financing up to $850,000
Primary residence only
Requires 3 active trade lines in good standing that have been open for 12 months or longer

Less than 18 months since the housing event/bankruptcy

Down payment of 20%
Credit scores of 580 or better accepted
Up to 80% financing up to $1,000,000
Primary residence only
Requires clean credit history since event

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Construction & Renovation Loan Programs

Whether you're looking to renovate your current home or have your dream home built, Giles can match you with the perfect renovation or construction loans. Below are the current renovation and construction loan programs available:

FNMA Homestyle Renovation Loans

Renovation/repair costs are allowed up to 50% of the completed value of the property
95% financing available

FHA Renovation Loans

Assists with basic repairs costing from $5,000 to $35,000
Up to 110% of the after improvement value
3.5% or more down payment
Credit score greater than 640
Financing up to $420,680
Owner-occupied residence only

Construction-To-Permanent Loans

Maximum Loan to Value - Conventional Loans: Up to 95%, VA Loans: Up to 100%, FHA Loans: Up to 96.5%, USDA Loans: Based on qualifying income
Interest-only financing
One time close
Primary or secondary residence only

Contact Giles

Giles Wardian
NMLS: 349296 | 2140913
Lead Mortgage Banking Specialist
Florida Mortgage Providers, Inc.
m: (407) 963-1151
e: floridaaps@gmail.com