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FHA MORTGAGE FLORIDA | FHA LOAN FLORIDA

FLORIDA FHA MORTGAGE LENDERS

Florida Mortgage lenders .com provide Florida first time home buyers and current Florida home owners the ability FHA mortgage a Florida home with less than 3.5% down payment orFHA refinance a Florida home  up to 96.5% of the home value. Research Florida home loan programs which help you to buy a Florida home. Also, learn about FHA minimum credit requirements, or get pre approved today. Florida-Mortgage-Lenders.com will show you the advantages of how to qualify for an Florida FHA mortgage if you have bad credit or even no credit .

FHA MORTGAGE- FLORIDA HOME BUYER ADVANTAGES

FHA Loans for Buying a Florida Home or FHA Refinance Mortgages

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FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:

  • Down payment only 3.5% of the purchase price.
  • Gifts from family or Grants for down payment assistance and closing costs OK!
  • Seller can credit buyers up to 6% of sales price towards buyers costs.
  • No reserves or future payments in account required.
  • FHA regulated closing costs.

FLORIDA FHA MORTGAGE LOANS ARE EASY TO QUALIFY FOR BECAUSE YOU CAN:

FLORIDA FHA MORTGAGE LOANS ALLOW HIGHER DEBT TO INCOME & EASIER JOB QUALIFYING

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THE FHA ADVANTAGE- FHA loan applicants will find that they can purchase a home with less than 4% down payment and less than perfect credit. FHA home loans are NOT just for first time Florida home buyers moving up Florida home buyers can also take advantage of this loan program for a primary residence. FHA will also finance Florida mortgage applicants  no credit score  to purchase a home as a primary residence. Moreover, current Florida homeowners can FHA refinance up to 97.75% of the homes value. Florida mortgage applicants will find it hard to find another home loan program with this many advantages. Below are detailed many of the highlights you will only find with an FHA loan:

 


 

FHA HOME BUYER ADVANTAGES

FHA LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING COST:

  • Down payment only 3.5% of the purchase price. 
  • Gift’s and Grants for down payment and closing costs OK! 
  • Seller can credit up to 6% of sales price towards buyers costs. 
  • No reserves or future payments in account required.
  • FHA regulated closing costs.

FHA MORTGAGES HAVE EASIER CREDIT QUALIFYING GUIDLINES SUCH AS:

FHA LOANS ALLOW HIGHER DEBT TO INCOME & EASIER JOB QUALIFYING:

  • FHA allows higher debt ratio’s than any other Florida home loan programs. 
  • Less than two years on the same job is OK! 
  • Self-employed buyers can also qualify for FHA. 

FREE CONSULTATION ::  GET PRE APPROVED NOW

 


 

 

BENIFITS OF FHA MORTGAGE REFINANCING 

FHA CASH OUT REFINACE UP TO 85% LTV- LOAN TO VALUE 

  • FHA Cash out up to Consolidate first and second Florida home loans into a single FHA mortgage. 
  • FHA refinance to bill consolidate higher interest debt.
  • Easier credit and income qualifications. 
  • FHA mortgages have regulated closing costs.

FHA REFINANCE YOUR RATE AND TERM UP TO 96.5%:

  • FHA refinance to consolidate first and second mortgages into a single FHA loan. 
  • No credit score required no credit score refinancing options with proof of timely payments.
  • Better FHA mortgage rates for loan applicants with a Bankruptcy older than (2) two years. 
  • Better FHA rates for borrowers with a Foreclosure older than (3) three years. 
  • Easier credit and income qualifications. 
  • FHA regulated closing costs.

 

FHA STEAMLINE REFINANCE AN EXSITING FLORIDA FHA MORTGAGE

  • No out of pocket cost for FHA mortgage refinance interest rate reductions programs. 
  • No income or FHA credit qualifications. 
  • Zero FHA loan closing out of pocket refinance options available. 
  • Easily switch lower interest or amortization schedule from adjustable to fixed or vice verse. 
  • Use FHA refinancing to easily shorten or lengthen term of your existing Florida mortgage.
  • Easier credit and income FHA loan qualifications.

FLORIDA FHA REVERSE MORTGAGES TO ELIMINATE PAYMENTS:

  • Current Florida homeowners age 62 years or older and have allot of equity in your Florida home you maybe able to refinance your existing Florida mortgages and rid yourself of monthly mortgage payments. 
  • View current FHA loan reverse FHA mortgage refinance guidelines.

FREE CONSULTATION :: GET PRE APPROVED NOW

 


 

MORE GREAT REASONS TO TAKE ADVANTAGE OF THE FHA MORTGAGE
  •  BAD CREDIT FHA MORTGAGE APPLICANTS-The FHA loan program exists to expand the pool of Florida home buyers. Even low credit score FHA loan applicants with prior troubles get approved for an FHA home loan every day. FHA loan applications with chapter 13 bankruptcies that can prove a 12 month timely payment history get pre approved. FHA loan applicants that suffered from a chapter 7 must wait 24 months after discharge to qualify. Even homeowners with past foreclosures more than 36 months old or 3 years old can qualify but a Florida in every Florida city and county. The FHA mortgage will always relies  more on recent  payment history rather than credit score.
  • FHA MORTGAGE ALLOW FOR EASIER QUAIFYINGFlorida home buyers will find the FHA loan is the last stop to qualify for a decent Florida home loan. Meaning if you don’t qualify for FHA you probably wont qualify for any other Florida mortgage program. The FHA loan insures private Florida lenders against loss for loans made to properly qualified Florida home buyers and owners. So regardless to say you’re likely to find FHA mortgage loans with terms and conditions easier for you to qualify.
  • FHA MORTGAGE HAS LOWER LOAN COST- FHA loan rates are extraordinarily competitive. FHA’s lower risk to the Florida mortgage lender means a better rate for the FHA loan applicant.
  • FORECLOSURE AVOIDANCE FOR FLORIDA HOMEOWNERS- Safeguards For Florida homeowners that Fall behind – The FHA loan also allow the lender more options in helping FHA mortgage borrowers who fall behind keep their homes are get current on the payment. FHA loan provide special protections that no other loans provide including: special forbearance, workouts, even free FHA mortgage counseling. In addition, HUD can allow the lender to take past due payments and move them to the end of the loan and in some instance will actually pay your past due payments current for you. These FHA loan  protections allow Florida borrowers to save their home. You’ll never find these foreclosure avoidance programs from a conventional home loan! In an uncertain world, this is another excellent reason for you to take advantage of the FHA home loan.
  • FHA MORTGAGE LOANS FOR MANUFACTURED FLORIDA HOMESUnder certain conditions, you can even FHA finance a Florida manufactured home and land package built before after 1977. These land home packages include mobile or modular home loan financing or using a Florida FHA mortgage loan. 
  • FHA MORTGAGES  ARE FULLY ASSUMABLE FOR FLORIDA HOMEBUYERS-When you are ready to sell your Florida Home, you can offer other Florida home buyers FHA financing! All FHA loans can be assumed by qualified home buyers.
  • SUMMING UP THE FHA MORTGAGE PICTURE-The FHA mortgage has expanded since created in 1934 to include a variety of different Florida home loan applicants in numerous situations. As a result FHA Florida mortgage lenders can now offer Florida fist time home buyers and moving up buyers the security of a government insured FHA Mortgage.

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