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FHA MORTGAGE REFINANCE FLORIDA

FLORIDA FHA REFINANCE::FHA LOANS::FHA REFINANCE::FHA LOAN INFO::BAD CREDIT MORTGAGE:

AS A FLORIDA FHA mortgage lender WE PROVIDE  FHA home loans to purchase or FHA Refinance THE FOLLOWING FLORIDA PROPERTY TYPES:

·         SINGLE FAMILY HOMES 

·         FHA APPROVED CONDOS

·         TOWNHOMES

·         VILLAS

·         MANUFACTURED HOMES WITH LAND

FLORIDA FHA MORTGAGE REFINANCE

FHA refinancing offers existing Florida home owners looking to complete an FHA refinance many advantages you wont find in any other Florida home loan program. A Florida FHA mortgage refinance will also benefit Florida homeowners who do not currently have an FHA loan.FHA refinancing highlights include:

FLORIDA FHA CASH OUT REFINANCE UP TO 85% OF THE APPRIASED VALUE:
• FHA Cash out up to Consolidate first and second home loans into a single FHA mortgage. 
• Bill consolidation programs. 
• Easier credit and income qualifications. 
• FHA regulated closing costs.

FLORIDA FHA RATE AND TERM MORTGAGE REFINANCE UP TO 96.5% OF THE APPRAISED VALUE:
• Refinance to Consolidate first and second mortgages into a single FHA loan. 
• No credit score required or minimum 530 credit score. 
• Competitive FHA rates for loan applicants with a Bankruptcy older than (2) two years. 
• Competitive rates for borrowers with a Foreclosure older than (3) three years. 
• Easier credit and income qualifications. 
• FHA regulated closing costs.

FLORIDA HA STREAMLINE REFINANCE EXSITING FLORIDA FHA LOANS:
• No Cost for FHA refinance Interest Rate Reductions programs. 
• No Income or FHA Credit Qualifications. 
• Zero FHA l closing out of pocket refinance options available. 
• Easily switch lower interest or amortization schedule from adjustable to fixed or vice versa. 
• Use FHA Refinance to easily shorten or lengthen term of your existing mortgage.
• Easier credit and income FHA loan qualifications.

FLORIDA FHA REVERSE MORTGAGES FOR SENIORS TO ELIMINATE PAYMENTS: 
• If you are over 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.

Apply Now for an FHA mortgage in Florida. Or use our Quick Application to receive more information on your next FHA home loan.

FLORIDA FHA MORTGAGE REFINANCE OPTIONS

FHA CASH OUT REFINANCE: An FHA cash out refinance with FHA loan applicant a higher loan to value than any other Florida mortgage program. With an FHA mortgage refinance, current homeowners can cash equity built up in their homes; up to 95% of the home’s FHA appraised value, to spend how they please.

FHA REFINANCE TO CONSOLIDATE DEBT: High interest credit cards and other high interest debt can be consolidated into one low monthly FHA mortgage payment with an FHA debt consolidation refinance.

FHA REFINANCE TO LOWER PAYMENTS: Florida homeowners with higher interest rate home loans, including adjustable rate mortgages, can use an FHA refinance to lower their monthly housing obligation. In addition, Florida homeowners with a 15-year mortgage can refinance into a 30-year or 40-year fixed rate mortgage to lower the monthly payments.

FHA STREAMLINE REFINANCE: FHA streamline refinancing is perfect for Florida homeowners who currently have an FHA mortgage and want to reduce their rate and payments. With an FHA streamline refinance, homeowners can refinance their Florida mortgage payments with no credit check and no appraisal. The only FHA condition is that the homeowner has to be current on the FHA mortgage. Your current mortgage payments must be current in order for you to qualify.

FHA CHAPTER 13 REFINANCE: Florida Homeowners who have enough equity in their home and who are currently in a Chapter 13 repayment plan can refinance to consolidate monthly credit obligations into one low monthly mortgage payment. 

Our training objectives are to help each of our clients achieve the best combination of interest rate, FHA mortgage terms, and low home loan closing fees for a  purchase or refinance of FHA home loans. If you still have questions use our Quick Application     to learn more! Or

CLICK START NOW TO GET PRE APPROVED TODAY!

FHA LOAN APPLICATION

As a FLORIDA  Mortgage Lender we also provide:

We are a local  FLORIDA FL FHA Mortgage Lender that has money to lend. Fill our quick application to find out more about the many FLORIDA Florida  home loan programs.

FIRST TIME HOMEBUYERS AND MOVING UP HOMEBUYERS FIND THAT FHA HOME LOANS HAVE KEY ADVANTAGES INCLUDING:

EASIER QUALIFICATION- The FHA loan insures FLORIDA Florida FHA mortgage lenders against loss for FHA loans made to properly qualified  FLORIDA loan applicants. Most FLORIDA FL home buyers will find it easier to qualify with an FHA loan compared to other Florida home loan programs.

MINIMAL DOWNPAYMENT- FHA mortgages work with the smallest down payment of all Florida home loan programs. The FHA downpayment can come from a family member, charity, or your employer. Although the FHA loan does not have a zero down mortgage option yet, you will find that FLORIDA FL FHA mortgage professionals can point you to the many Florida FHA Down Payment assistance programs that work well with FHA home loans.

LESS THAN PERFECT CREDIT IS OK– The FHA home loan program exists to expand the pool of qualified FLORIDA FL home buyers. Even  FLORIDA FL loan applicants no credit score score or even prior bankruptcies and foreclosures with late mortgage payments get approved every day for FHA home loans to buy or Refinance a in FLORIDA FL. The FHA loan program uses credit quality, not credit score!

LOWER COST OVER THE LIFE OF THE LOAN– The FHA home loan rates are extremely competitive. FHA’s lower risk to that FHA mortgage means a lower interest rate for FLORIDA FL home buyers and homeowners.

SAFEGUARDS FOR HOMEOWNERS THAT GET BEHIND-The FHA home loan gives FLORIDA FL FHA mortgage lenders more options for helping homeowners who fall behind get current again: special forbearance, workouts, even free FHA mortgage counseling. Furthermore, HUD    FLORIDA Florida FHA mortgage lenders to take past due payments and move them to the end of the FHA loan and in some instance will actually pay your past due payments for you. Thes foreclosure prevention will help you save your FLORIDA FL home from foreclosure in tough times! In an uncertain world, this is another excellent reason for you to apply for an FHA mortgage.

PAYOFF/REFINACE FLORIDA LAND CONTRACTS- If you are in the market for a Rent to own Florida homes for sale in FLORIDA Florida by way of Florida land contract,  seller financing or contract for deed, FHA will allow the new owner financed mortgage to be processed as a FHA purchase or FHA refinance.  If all FHA loan proceeds are used to pay the outstanding balance on a land contract the appropriate LTV ratio is applied to the lesser of the appraised value or total cost to acquire the FLORIDA Florida home. Make sure you can document 12 months canceled checks, money orders etc to document your last 12 months payment history.

FHA MANUFACTURED HOME LOANS- FHA Loans are also available for FLORIDA FL modular homes including single wide, double homes (with land) built after June 15th 1976. Check out the FHA manufactured home loan program.

FHA HOME LOANS ARE FULLY ASSUMABLE- When you are ready to sell FLORIDA FL single family home, townhouse or condo, you can FLORIDA FL home buyers an FHA home loan! All FHA loans can be assumed FLORIDA FL FHA loan applicants.

These are just a few of the many good reasons to apply for an FHA mortgage. The FHA loan program has evolved since it started in 1934 and now has options for HUD insured loans that fit a variety of different FLORIDA FL home buyer situations. We are FLORIDA FL mortgage company that has money to lend. Fill our quick application to find out more about the many FLORIDA FL FHA home loan programs.

CLICK START NOW TO GET PRE APPROVED TODAY!

FHA LOAN APPLICATION

FLORIDA FHA LOAN :: FLORIDA FHA MORTGAGE :: FHA REFINANCE FLORIDA ::

Florida Homeownership Links

Owning a Florida home is a big part of the American Dream. Here are some resources that can help you buy, maintain and keep your Florida home. 

Getting Started

 

Housing counseling agencies – free or low-cost counseling services for buying, renting, defaults, foreclosures, credit issues and reverse mortgages

 

Predatory lending – beware – whether you’re buying or refinancing your home, don’t become a victim of unfair lending practices 

Buying a Home

 

Assistance programs – resources and programs to help you buy and maintain your home

 

HUD homes for sale

 

Homeownership vouchers – some public housing agencies help you become a homeowner through the Housing Choice Voucher Homeownership Program 

Owning and Maintaining Your Home

 

Home repairs  – money for home improvements and repairs

 

Avoid foreclosure – don’t lose your home

 

Protecting your investment – Preventing the loss of the home you own

 


Other Florida Resources

 

Rural housing programs

 

Housing resources for seniors

 

Housing resources for Native Americans

 

Mobile home owners

 

Help with your utility bills

 

Fair Housing Agencies

 

Financial Planning Resources

 

Homeowner and neighborhood associations

 

Extended homeowner warranties

 

FHA-accepted protection plans

 

Health and environmental information

 

Disaster relief and emergency assistance

 

Legal assistance

Homebuyer’s kit

 

How much home can I afford?

 

Let FHA loans help you

 

How to buy a HUD home

 

FHA mortgage limits

 

Settlement and closing costs

 

Home improvements

 

Refinancing home mortgages

 

Reverse mortgages

 

Help save my home

 

Approved mortgage lenders

 

Fair housing

 

HUD’s home rehabilitation program

 

Loan programs for veterans

 

 


Links

 

Tax Credits for Energy Efficiency Improvements

 

Mortgage information from the Federal Reserve Bank

 

Loan programs for veterans

 

Is Homeownership right for you?

 

Homesales.gov

 

 

 

MAYO

About Us

We are US Mortgage Lenders. Major real estate brokerages regularly entrust their clients to our team due to our reputation for transparency, delivering on time, customer satisfaction and loyalty. With five-star customer reviews on Zillow.com and counting, you’re assured of having the backing of an experienced team.

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