FHA home loan is fast become Floridas mortgage of choice

FHA Mortgage Florida

FHA Hone loan Advantages Include:

Minimal Down Payment and Closing Costs.

Down payment less than 3.5% of Sales Price Gift for down payment and closing costs allowed. No reserves or required. FHA regulated closing costs. Seller can credit up to 6% of sales price towards buyers costs.

Easier Credit Qualifying Guidelines such as:

No Minimum FICO credit score FHA will allow a home purchase 2 years after a Bankruptcy. FHA will allow a home purchase  3 years after a Foreclosure

Easier Debt Ratio & Job Requirement Guidelines such as:

Higher Debt Ratio’s than other home loan programs. Less than two years on the job is allowed. Self-Employed individuals o.k.


The FHA mortgage program is a mortgage loan designed to assist every qualified and eligible Florida homebuyer with having the opportunity to qualify for the home of their dream. Insured by FHA the Federal Housing Administration, the FHA loan program provides prospective FHA mortgage applicants with tremendous opportunities. Offering FHA mortgage rates that are traditionally lower than conventional Freddie/Fannie home loans.

The FHA mortgage is fast becoming the Florida mortgage loan of choice for many Florida Home Buyers around Florida, including the areas we cover:

Serving These Fine Florida Communities:

Arcadia :: Boca Raton :: Boynton Beach :: Bradenton :: Brandon :: Cape Coral :: Clearwater :: Clewiston
Crestview :: Daytona Beach :: Deerfield Beach :: Deland :: Delray Beach :: Deltona :: Destin :: Englewood
Fort Pierce :: Ft. Lauderdale :: Ft. Myers :: Ft. Walton Beach :: Gainesville :: Hollywood :: Homosassa Springs
Jacksonville :: Key West :: Kissimmee :: Lake City :: Lakeland :: Lynn Haven :: Marathon :: Marco Island
Melbourne :: Miami :: Miami Beach :: North Fort Myers :: North Miami Beach :: Naples :: Ocala :: Okeechobee
Orlando :: Ormond Beach :: Osprey :: Palatka :: Palm Bay :: Palm Beach :: Palm Coast :: Panama City :: Pensacola
Pompano Beach :: Port St. Lucie :: Punta Gorda :: Santa Rosa :: Sarasota :: Sebastian :: Sebring :: Springhill
St. Augustine :: St. Petersburg :: Tallahassee :: Tampa :: The Villages :: Titusville :: Venice :: Vero Beach
Wauchula :: Wesley Chapel :: West Palm Beach :: Winter Park :: Broward :::: Dade ::
Palm Beach ::

Not every Florida mortgage Broker can originate the FHA home loan. FHA maintains strict guidelines which limit wich Florida mortgage lenders can assist Florida home buyers and home owners like you. With such strict quality guidelines for Florida mortgage lender , you can know with confidence that you’re dealing with a strong reputable Florida mortgage lender if they originates the FHA mortgage Program, they are a strong and reputable firm. our job is to place you in the right FHA Mortgage the first time, and the FHA home loan program is a solid foundation to your next Florida home loan.

benefits that homebuyers find with FHA include:

Down payment is much lower than any other mortgage only 3.5% Interest Rates much Lower if you have had collections or past judgments. Down Payment GIFTS ok from Family and Family Friends is Allowed. Collections do NOT disqualify you from qualifying for an FHA home loan. NO INCOME Limitations– This means EVERYONE is eligible for the FHA home loan program regardless of whether you’re wealthy or poor, have owned a home before or are a Florida First Time Buyer. No credit history is required to qualify for an FHA home  Loan Works with Grant and Charity organizations – You don’t have to provide your own down payment. Home Buyers – Seller paid closing costs are allowed. Florida Home Owners – A cash out Refi with the FHA program is just fine. Higher Debt to income ratios are allowed for eligible Florida mortgage applicants Typically, there are NO Cash Reserve requirements. Underwriting Flexibility that is based upon your credit not your credit score – Credit score is not even considered – 520? Hey, you may be eligible for the FHA Loan program! Underwriting is done using both Automated and Manual review – This means if a loan makes sense, it doesn’t matter what the computer says. Overtime, Bonuses and Part Time Income can typically be used for qualifying for your FHA financing

The fact is, there are many good reasons Florida home buyers and Florida home owners consider an FHA home loan over other mortgage programs. Beyond just the Best FHA interest rate benefits, Most flexible qualifying guidelines  and great terms, the FHA home loan gives you peace of mind.

The FHA home loan program is administered in such a way that it is actually designed to protect Florida homebuyers in times of hardship! How you ask? Unlike Sub-Prime or Bad Credit home loans, the FHA mortgage offers many different Foreclosure prevention programs that actually you keep your home.

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