FHA Bad Credit Palm Harbor FL Home Loans



 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




Many Palm Harbor Florida loan applicants don’t realize that FHA loans can help people with bad credit. If you’re in search of a Palm Harbor Florida mortgage, but concerned about bad credit? You’ve come to the right place!

We understand that life can be hard and that the major credit agencies are unforgiving. Why suffer because of bad credit? A bad credit FHA home loan insured by the FHA could be your key to owning a Florida home.

An FHA mortgage can get you into a new Palm harbor Florida home – even if you have bad credit – because the loans are insured by the federal government. If you’ve had accounts forwarded to collections, have filed bankruptcy in the past, or have high debt, you still may qualify for an FHA mortgage. These Bad Credit Palm Harbor home loans can work for you even if you don’t have cash for a down payment or closing costs. These FHA home loans are a much better choice than the very expensive financing that banks call “subprime.”

As a bad credit Florida mortgage lender worked with many people who described themselves as having “bad credit” – but who are now homeowners! The truth is that many more people qualify for FHA mortgage than any other Florida home loan program..

Our FHA mortgage specialists are ready to work with you to turn your dream of owning a home into reality. They’ll never judge you based on your credit history.As a PALM HARBOR  FL FHA mortgage lender we provide FHA home loans to purchase or FHA Refinance single family homes, FHA approved condos  and town homes in   PALM HARBOR  FL   PALM HARBOR  FL clientel will find here are many advantages to using the FHA home loan including:

As a PALM HARBOR   Mortgage Lender we also provide:

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


EASIER QUALIFICATION- The FHA loan insures PALM HARBOR Florida FHA mortgage lenders against loss for FHA loans made to properly qualified PALM HARBOR loan applicants. Most PALM HARBOR 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 PALM HARBOR  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  PALM HARBOR FL home buyers. Even PALM HARBOR 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  PALM HARBOR 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  PALM HARBOR FL home buyers and homeowners.

SAFEGUARDS FOR HOMEOWNERS THAT GET BEHIND-The FHA home loan gives  PALM HARBOR 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    OZONA 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  PALM HARBOR 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  PALM HARBOR 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   PALM HARBOR 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  PALM HARBOR 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  PALM HARBOR FL single family home, townhouse or condo, you can  PALM HARBOR FL home buyers an FHA home loan! All FHA loans can be assumed  PALM HARBOR 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  PALM HARBOR FL home buyer situations. We are PALM HARBOR FL mortgage company that has money to lend. Fill our quick application to find out more about the many  PALM HARBOR FL FHA home loan programs.

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