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FHA MORTGAGE LENDER LUTZ FLORIDA

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As a LUTZ FL FHA mortgage lender we provide FHA home loans to purchase or FHA Refinance single family homes, FHA approved condos and Town homes in LUTZ FL. LUTZ FL clientel will find here are many advantages to using the FHA home loan including:

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

CLICK START NOW TO GET PRE APPROVED TODAY!

FHA LOAN APPLICATION

 

 As a LUTZ Florida Mortgage Lender we also provide:

We’re a local LUTZ FL FHA Mortgage Lender that has money to lend. Fill our quick application to find out more about the many LUTZ Florida FHA 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 LUTZ Florida FHA mortgage lenders against loss for FHA loans made to properly qualified LUTZ FL FHA home loan applicants. Most LUTZ 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 our experienced LUTZ 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 LUTZ FL home buyers. Even LUTZ FL mortgage 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 homse in LUTZ 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 LUTZ FL home buyers and homeowners.

SAFEGUARDS FOR HOMEOWNERS THAT GET BEHIND-The FHA home loan gives LUTZ 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 allows 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. Options to save your LUTZ FL home from foreclosure that you’ll never get from a conventional loan! 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 LIVE OAK Florida by way of Florida land contract,  seller financing or contract for deed in Florida, FHA will allow the new owner financed mortgage may 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 LUTZ 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 LUTZFL 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 your LUTZ FL single family home, townhouse or condo, you can offer LUTZ FL home buyers an FHA home loan! All FHA loans can be assumed by qualified LUTZ 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 LUTZ FL home buyer situations. We are a local LUTZ FL mortgage company that has money to lend. Fill our quick application to find out more about the many LUTZ FL FHA home loan programs.

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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