Steve McRory, Mortgage Loan Originator  (Pro Option Mtg.    888-662-4404)
888-662-4404 /nmls#204296
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Specializing in helping Self Employed borrowers and borrowers who wish to purchase with little down payment and No PMI

Get to know Steve McRory

Mortgage Business since the 90s

Real Estate Investor & Experineced Landlord

Prior Florida Realtor

Prior service United States Marine Corps

 

Steve McRory's Blog Posts

Certifications

Licenced Loan Mortgage Loan Originator

Licenced Mortgage Brokerage Business

Skills

                                     LOAN PROGRAMS                                    

*Condo  97% LTV

*Townhome   97% LTV- No PMI

*House to 97% LTV- No PMI

Super Jumbo/ Doctors & Dentists*  to 97% LTV

Super Jumbo*  to 95% LTV

Super Jumbo 2nd Home*  to 90% LTV-

Post Short Sale/ Foreclosure/ BK   90% LTV-No PMI

MEGA Jumbo -Bank Stmts for Income 90% LTV- No PMI

MEGA Jumbo Stated Income Alt.    89.7% LTV- No PMI

Investment/ Flip Property     85% LTV

Foreign Nationals     80% LTV

Hard Money Stated Income Alt.    75% LTV

 

COMMERCIAL

Office Buildings & Warehouses     80% LTV/mid 3% range

Rental Prop. Stated Income Alt.    75% LTV/upper 4% range

Rental Prop. No Tax Returns          70% LTV/mid 6% range

 

 

If Purchasing or Refinancing in the hundred thousands or in the millions, whether credit scores in the 800s or mid 500s, W-2 employee looking No Money Down or Self Employed looking for Stated Income ALT loans, we offer Extremely Strong programs for 2017! 

 

 

Steve McRory

Pro Option Mortgage

steve@pro-option.com

www.Pro-Option.com 

Ph: 888-662-4404 

nmls#204296

 

Prior Service U.S. Marine Corps


Testimonials for Steve McRory

  • recent "Out of the Box" scenarios
    08/24/2016

    Mr. McRory,
    I wanted to take this opportunity to thank you for securing our mortgage funding. As business owners, considered self employed by mortgage lenders, it is extremely difficult, impossible I believe if not for you, for my wife and me to be provided with mortgage funding. This is the second “impossible” mortgage you have been able to secure for us since 2009. Our first was for an investment property, when no one was lending in Florida. The last mortgage was for our new home, here in Orange County.

    Not only did you get us an excellent rate on a Jumbo Mortgage, your Realtor Rebate saved us $40,000 in commissions! On top of the Realtor commission savings, you also negotiated a $15,000 closing cost contribution for us from the lender. Really; a great job.

    I don’t want to sound too over the top, but my wife and I are both business professionals, and we believe that without your efforts, we would not have been able to secure a mortgage for our new home. We are far outside the banks’ formulas for a conventional loan. Although we have a strong business, with demonstrable cash flow, most lenders won’t even consider us for a mortgage.
    Thanks again for the tremendous effort you’ve put forth on our behalf.

    Sincerely
    Dan
    Orlando, FL
    ----------------------------------------------------------------------

    Steve,

    Both Lorell and I appreciate your patience with us (and numerous phone calls along the way). Below is a testimonial for you to add to your growing collection:
    I can truly say our experience with Steve McRory (Pro Option Mortgage) was nothing less than amazing. Steve made us feel so comfortable and made sure he was there every step of the way. Because we were first time home buyers, dealing with the whole closing process could have been stressful (if not for Steve and his expertise). We saw nothing but patience and help every step of the way. Thank you so much for your help and experience to help us get our first home.
    Robb and Lorell
    Palm Beach County

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    I rarely take the time to give thanks for excellent service but now is one of the times I'm going to thank someone for going the extra mile and always being available by phone when I called and needed something. After my short sale I contacted several banks and brokers and every time I was told I had to wait 2-3 years before I would qualify for a home loan or I needed 20%-30% down to even have a shot at a home loan.
    After an exhaustive search online I came across Steve McRory at Pro Option Mortgage who specializes in post short sale home loans. I can tell you since Day 1 Steve McRory has always been available by phone (even on the weekends). He operates extremely efficiently with short turnaround times and took the time to explain the ropes to me. After trying two lenders and we weren't successful on the third try Steve was able to get me approved for a home loan with a competitive interest rate and fees.
    Additionally, he even was able to get me a $8,800 realtor rebate which reduced my closing costs by $8,800. My best friend is a realtor and he didn't even offer to give me a realtor rebate. My wife and I are now buying a new home after only 7 months after our short sale. My wife and I are so very grateful for Steve McRory and would recommend him to anyone without reservation. Thank you very much Steve!
    Clark M., St. Pete, FL

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    I just cant say enough about Steve and his team , I am prety new to the country and with little established credit , was paying a huge amount to rent a home for my family , I was fortunate enought to find a advert for pro option mortgage, so not believing i could buy a house i spoke to Steve , Who in my mind listened to my situation and went above and beyond to help me, and walk me through the process
    He and his team in my mind made a miracle happen , not only do i now own a house in Eustis fl my interest rate is better than i could imagine , Believe in this guy he can make it happen thankyou , thankyou ,thankyou

    Frank R.
    Eustis, FL

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    Hi Steve,

    Well, it's been 4 months since you pulled off what the others (including my realtor) said was impossible! Every time I come home from work and walk through the door and every month when I make the mortgage payment and don't have to pay PMI, I think of how grateful I am that I ran across your ad last fall. As an airline pilot, precision, promptness and professionalism are very important to me. You provided all three.

    When my wife and I made the offer and I told my Realtor we'd only be putting 5% down on our condo, he said he'd never heard of anyone buying a condo in Florida with less than 20% down. When we showed up at closing 31 days later and you had actually secured us a 97% LTV loan with no PMI, I was blown away. Both of the Realtors left that closing with an education about what is truly possible in today's real estate market.

    Please feel free to share my experience with your company with any prospective clients. I'd be more than happy to talk to anyone at any time about the excellent service you provided and the amazing deal you secured on our behalf.

    Best,

    Captain--
    United Airlines
    Tampa, FL

    ------------------------------------------------------
    After my husband and I incurred numerous amounts of medical debt and a decreased income, we had no choice but to consider short selling our home. Our short sale came to a close in December of 2013. Being that we have two young children, we were desperate to own a home again. We were not keen on renting for too long as our oldest daughter would be starting elementary school and we did not want to keep uprooting our children.
    We knew our options were slim considering we just went through the short sale. When we noticed home prices were climbing, we decided to research our options and contacted Steve McRory with Pro Option Mortgage. He listened to our situation and assured us he could help. Sure enough, he was able to get us a mortgage only 11 months after our short sale. He put us in contact with a Realtor in our area so that we could receive a realtor rebate, the extra $3,550 that we received from our realtor helped out a lot. He was with us every step of the way; he returned our emails promptly and always kept us in the loop of what was going on. We are so grateful we found Steve and look forward to doing future business with him.
    Christina & Shaun
    Boca Raton, FL

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    I am a Green Card holder with a relatively short credit history in the US. Although my credit score was good, the banks had a problem with my employment status - they were insisting i was self employed as i owned more than 25% of a venture capital backed start up that was 2 years old. I had plenty of proof of income both in the US and abroad. I was prepared to put down $400k as a deposit on a $715k property. We were given initial approval by Chase and went through a paper chase of documents that would measure several inches high if you were to print them all out. They even wanted to know what a credit for around $1500 from the UK to my US bank account was for. It was a present for my children from my mother at Christmas time. Chase wanted to call my elderly mother to verify the transaction! I refused. On the evening before we would have lost our $80k deposit, Chase called to say that their lending committee were withdrawing the loan approval. I worked hard with Steve and in the end we secured a $500k loan for the property. Steve is very good at dealing with non-standard circumstances. I would highly recommend him.

    Stephen H.
    Miami, FL

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    We have had some issues with our loan originally with bank united, and after fighting for more than 2 years, our note was sold to an investor. We were able to negotiate over a year conversations with the investor to keep the house but we needed a loan to allow us to buy the note back. Our case was a very delicate and out of the traditional bank type of loan, so after knocking on doors from major banks and credit unions, my wife remembered of seeing Steve’s name and we decided to give him a call.
    After 3 months working with the dedication that he has in cases, where he grabs each of as being his own life, he was able to get us 2 different banks, and based on his experience we selected the one we ended up closing in March this year. So 5 months after started this really difficult and challenging loan process, Steve helped us keep our house, and get a loan that we will be able to make monthly payments, paying principal and interest, so we will see the amount reducing over the time. Only with dedication of a true professional this was able to be accomplished.
    Ricky B and DRD
    Pembroke Pines, FL.

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    לכל מאן דבעי,

    הנדון: המלצה על סטיב מקרורי כברוקר משכנתאות בארה"ב

    סטיב מקרורי מטמפה פלורידה הוא ללא ספק סוכן המשכנתאות הטוב ביותר שעבדתי איתו.
    סטיב , מהרגע ששמע שאני מישראל , עזר לי להגיע אל העיסקה הטובה ביותר שאיפשרה לי לבצע רכישה בצורה הכי מהירה וטובה האפשרית.
    סטיב בעל קשרים רבים בענף המימון האמריקאי במשך שנים רבות ומכיר הרבה מאוד אנשי קשר. סטיב גם מכיר מצוין את שוק הנדל"ן
    ועזר לי להפחית בצורה משמעותית את עמלת מתווך הנדל"ן ולהגדיל את הערך של הבית וכן לחסוך לי מסים רבים.
    סטיב גם מתחזק בלוג מצוין שמסביר את ההבנות שלו ומבהיר מה הדברים החשובים כשמגיעים לביצוע עסקאות כאלו.
    סטיב הוא נוצרי אדוק ואוהב את ישראל והעם היהודי בכל מאודו. הוא פטריוט אמריקאי וישראלי.
    סטיב יעשה מעל ומעבר כדי שלקוחות ישראלים ויהודים יהיו מרוצים מעסקאות המימון שלו ומעסקאות הנדל"ן בכלל.
    על החתום,
    יוסי שמולביץ'

    ------------------------------------------------------------
    After watching deal after deal go by sitting on the sidelines feeling that there was nothing to be done but sit and let the clock tick, my wife and I found Steve with Pro Option Mortgage. We had been through a short sale that had closed only 18 months prior. No other lenders cared to stop and listen to our situation, then we found Steve with Pro Option Mortgage. If you feel finding a mortgage is tough after a short sale, add to that being self-employed. Most lenders will ask for your first born then ask you to re-live the entire short-sale play by play. Then we found Steve with pro-option mortgage.
    Steve provided us with lending options when everyone else said it couldn't be done. He was able to do this within 18 months of our short sale when everyone else told us to come back in 3-4 years. On top of all this, I almost forgot to mention he did it all in just about a months time! We only met Steve a little over 6 months ago and are already pursuing another potential loan with him! He is extremely responsive to both email and phone calls.
    In short, I would highly recommend Steve to anyone looking to obtain a mortgage in today's market. He knows what options really are out there and will match you to a product best fitting your individual situation!

    Jeremy M.
    Venice, FL

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    Hi Steve,
    Job Well Done. I wish to thank you for helping me get the financing for my house. We just closed on the house. I did not think it was possible. I was trying to buy a banked owned property that needed lots of repairs as a primary residence. Finding a lender was very difficult. I went to over 8 other brokers and 4 Hard Money Lenders before finding you. Please forgive me for being so skeptical initially. I am not easily impressed, however you certainly impressed me.
    The case was very difficult to begin with followed by the bank forcing a short time frame to close. Thankfully you and your processor were able to not only find me a lender, but were able to meet the tight deadline. After having filed for bankruptcy just 4 years ago I didn't think I would qualify for any mortgage any time soon, especially not for a fixer upper. However, thanks to you, my wife and I now own our new house. My family is forever grateful. I highly recommend you to everyone, especially those needing help with difficult situations. I look forward to doing business with you again in the near future.
    Andres V
    Orlando/ US Navy Vet

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    dear Steve,
    this is a letter of sincere thanks from my family and i for all your help and professional actions you demonstrated in assisting us with a funding source for the purchase our new home in Stuart fl. unfortunately when i initially met you i was not only in a foreclosure with Suntrust bank i was also in a fierce legal battle with a con man posing as a private lender. you not only assured me you could assist me with my lending needs you also advised better than any attorney i hired as to how to go after the private lender who was out to steal the money.
    from the very start our relationship you were always there to ease my concerns by answering every phone call and explaining every document you presented me . it was only a matter of 2 weeks and you were able to offer me a suitable mortgage from a legitimate banking institution who understood my needs and time frames and did everything they could to make an expedited closing date possible for both me and the seller.
    i again thank you for all you did and please feel free to add me to your list of very satisfied customers and reference list . i wish you nothing but continued success and good business .
    dennis m. / Stuart ,fl

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    In October, 2006 I learned that I had stage III prostate cancer. Following a year of radiation and chemotherapy, on the recommendation of my doctor, I underwent a radical prostatectomy in February 2009. By this time I had fallen a few payments behind my mortgage and my mortgage company was not willing to work with me. After a few years of unsuccessful attempts to restructure my mortgage, I finally agreed to short sale my home of ten years in February of 2013. A few months later we found our dream home which was a foreclosure that was about to be auctioned off by the bank. We need a letter of approval so we could be place our bid. As an executive of a global company I had the ability to afford a nice home but because of the short sale no one was willing to give my wife and I a mortgage. We were treated as if we had a contagious disease. We would always hear a quick “no” without even considering our situation. Then one day I saw Steve’s ad in one of the local magazines. After foiling out the initial application, which only took a few minutes, Steve sent us a pre-approval letter. Within a few weeks we had our mortgage in place and had the winning bid.
    Steve did what no one else in the Central Florida area was able to do: he got my wife and I a jumbo mortgage a few short months after a short sale. He worked with us every step of the way until the very closing date. I still receive an email from him from time to time to see how things are going. He is a miracle worker!
    Mr. and Mr. H., Orlando, FL

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    After having a foreclosure in 2009, I never thought I could obtain another mortgage with reasonable terms. My husband and I owned our existing primary residence without a mortgage but wanted to get “cashout”. This is actually a more difficult type of loan to obtain than one to purchase a property. I found Steve McRory on the internet and submitted a loan application with him. Initially, Steve pursued an FHA loan for us but the application was eventually denied. Steve never gave up and constantly provided updates on his progress with finding us a potential loan. Eventually, after one year of perseverance, we obtained a conventional portfolio loan with favorable terms in January 2014 through Steve. I really appreciate all of Steve’s hard work and dedication and I truly believe that Steve can find a loan for any situation.
    Mrs. J, Davie, FL

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    Steve,
    We contacted several lenders before finding you on the Internet, all of whom said there was nothing they could do for us. My wife and I had just completed a Chapter 13 bankruptcy repayment plan which occurred due to excessive medical bills. Although we had zero debt, and had made all of our bankruptcy payments on time, all of the lenders told us we would have to wait a minimum of two years before they would consider giving us a mortgage.
    After we spoke to you and explained our situation, you worked diligently day and night, including weekends, to find us a lender. We were prepared to have to put 10% to 30% down, but you found us a lender that only required much less down! Little did we know you were not done with your surprises when you secured us an outstanding mortgage rate. In less than three months after meeting you (nine months after completing bankruptcy), we were in our new house and already have over $50,000 equity in our new home.
    You were an outstanding person to work with and I recommend anyone looking for a mortgage should contact you first. Your knowledge of how the real estate market has changed and your resourcefulness are unsurpassed.
    Thank you!
    Dave V.
    Brooksville, FL

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    We have been buying properties in South Florida for over 20 years and I have dealt with countless mortgage brokers. Steve and his team at Pro Option are hands down the very best at what they do. Not only does Steve have the best sources and lenders out there – he always has your back. On our last deal we were doing a jumbo purchase-construction loan. Three weeks before closing, we had a problem with the appraisal and the local bank wanted more $$$ down. The Seller wasn’t giving any extensions no matter what. Well, Steve wasn’t having any of it. Starting from pretty much scratch Steve worked around the clock, went through another one of his sources and found an even better loan and rate than we had originally. Steve got the deal done and closed in two weeks - and saved us a lot of cash. Steve is about as straight up as they come and you will know that within one minute of talking with him. You want a friend then get a dog. You want a mortgage and your deal done right with no BS then there is no other choice but to call Steve. You’ll see.
    Rob and Kerri, Fort Lauderdale FL
    Having a beautiful home of our own again has been wonderful. Steve’s efforts have really made a difference in my family’s lives. Due to our bankruptcy and foreclosure during the housing crash, we were told that it was impossible to be approved for a mortgage.

    I’m truly thankful I found Steve’s ad. He was able to find us a lender and every step of the process was made easy with the help of Steve and his team. I still can’t believe we were able to lock in such an amazingly low rate. Our monthly payment is much less than the amount we were paying in rent and with the financing program we even received a check back at closing. Steve really knows what options are available for people with unusual circumstances. A true miracle worker! Thanks Steve!

    Brian F.
    Bradenton, FL

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    Steve,
    Wish I had found you a year and a half ago and your Realtor too! You both work well together and made the whole house buying process less burdensome. Because of our short sale which had occurred less than a year before we started looking, banks wouldn’t even talk to us even though our score was good and I was able to put down 20%. But Steve you found a way to make it happen for us and for that we are grateful.
    Won’t say it wasn’t stressful at times but knowing we had two professionals working for us made it seem easier to manage. My wife and I couldn’t be happier with the way things finally turned out for us and it’s because you were both more patient, answering all our questions, putting up with terrible deadlines, terrible sellers, and terrible sellers agents, and so on.
    Thank you again Steve. I will surely recommend you for anyone that is looking for a home.
    Mike and Eliza
    Lakeland, FL

    ----------------------------------------------------------------------
    Steve
    I just wanted to send you a note thanking you for all that you did to ensure that we were able to finance our home Second Home in North Port, FL. Based on our credit status per a recent short sale, it obviously wasn’t easy finding anyone to even take us serious much less truly try to help us as you did. It’s obvious that you’re a perfectionist and workaholic as it really didn’t matter what time of the morning, noon or night we would have a question or need to present something to you, you would be right on top of it with a quick reply and typically a positive responses.
    Your patience, professionalism and unwavering trust in us in the fact that you could help, gave us great comfort in knowing that you were working at the highest level on our behalf. And knowing that we were not spending a tremendous amount on a home, you still made us feel as if we were, based on the service you provided and the way you treated us. As for the mortgage you were able to provide, the bank of choice was praised by our closing agent as being very good to work with and based on my 1 or 2 conversations I’ve had with them I totally agree.
    My wife and I, once again, want to thank you for helping in getting us back on track, in a beautiful home and most of all, with the respect that we felt we deserved. I will definitely continue to recommend you to friends and family for ANY mortgage needs. And we definitely will be coming back as well.
    Sincerely….
    Joe and Teresa
    North Port, FL

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    Dear Steve,
    I’d like to take this opportunity to thank you for the service and hard work in getting our loan to closing. Knowing how hard it is to close a mortgage loan of a business owner showing losses on a tax return instead of income, I was amazed you were able to get this loan approved when no one else even wanted to talk to us.
    I’d like to point out this was not a hard money loan where interest rates are at the rate of 10%, but a mortgage loan with a bank requiring full documentation at a competitive rate.
    I am very happy to recommend your services and would be glad to speak with any business owner who may be considering using you to achieve financing who does not have income on their tax returns but shows a positive cash flow.
    Please provide them my contact information should they request it and I would be happy to speak with them personally.
    Thank you again. It’s been a pleasure working with you.
    Roger and Cindy / Sarasota, FL

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    I want everyone to know that if there is a will, there is a way.

    I had seen Mr McRory's ad for the past few years, but wanted to try him out as a last resort when I felt our situation was as strong as possible.

    My wife and I had lost our first home in 2007 during the housing boom and job loss. After that, all we ever heard was that it would be impossible to ever be a home owner again.

    Once I secured a good job, I did what lenders told me to do, after being rejected for mortgage loans: re-establish credit, do good with those loans, and save money.

    We probably tried every 2 years to secure a mortgage with no luck at all. After each turndown, we would re-evaluate the possibility of bankruptcy since some of our friends had purchased a couple years out of ch13. The ONLY reason we considered BK was to hopefully be a home owner sooner.

    7 years went by, and by then, we had paid off an auto loan, established credit, all without ANY lates, and established 401k, and a healthy and consistant income. I decided to put Steve to the test. His ads are true.. He really does answer emails and phone calls, even at 5am on Saturday!

    Steve was patient with us and our situation, and immediately got the wheels spinning within the first week. WE, the rejected applicants of the past, were looking at a house with a pre-approval letter in hand!

    There were a lot of hurdles with our deal, but we got into our affordable dream home with only 3.5% down plus a few other costs (appraisal etc), and it still feels like a dream everytime I wake up.

    I had seriously thought to myself "if I could just find some bank to LISTEN beyond my history, and not go by those old rules, I believe we could own again."

    Thanks so much Steve, this is a DREAM COME TRUE, and this is PROOF that you don't need to file any bankruptcy as long as you have good compensating factors.

    Frank and Candi B
    Altamonte Springs FL

    Service Areas (7)
    • Palm Beach, FL
    • Broward County, FL
    • Miami-Dade County, FL
    • Collier County, FL
    • Sarasota County, FL
    • Orange County, FL
    • Hillsborough County, FL
    • Pinellas County, FL
    Specialties (13)
    • Buyers
    • Commercial
    • Condos/Townhomes
    • Investment Properties
    • Luxury Homes
    • Military Relocation
    • New Construction
    • Relocation
    • REO/Bank Owned
    • Residential
    • Short Sales
    • 2016 & 2017 Stated Income ALT Mortgages
    • Mortgages for Self Employed
    Languages (1)
    • English