Florida FHA Home Loan Programs, Florida FHA Home Loans

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Florida FHA Mortgage Loan

Providing mortgage solutions for those looking for an FHA loan in Florida!

Florida home buyers should know the many advantages of the FHA mortgage loan programs. FHA loans were created to help increase home ownership. For the Florida home buyer the FHA program can simplify the purchase of a home, making financing easier and less expensive than a conventional mortgage loan product. Some highlights of the Florida FHA loan program include:

Minimal Down Payment and Closing costs.

• Down payment less than 3% of Sales Price Gifts are allowed
• Seller can credit up to 6% of sales price towards closing and prepaid costs.
• 100% Financing available
• No reserves required.
• FHA regulated closing costs.
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Easier Credit Qualifying Guidelines such as:

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  • No minimum FICO score or credit score requirements.
  • FHA will allow a home purchase 1 year after a Bankruptcy.
  • FHA will allow a home purchase2 years after a Foreclosure.

To take advantage of the FHA program in Florida, give us a call 1-800-570-0448 or use our quick application to find out more about the many FL mortgage programs we can make available. Or Apply now for a FL FHA home loan.

•·        Low Down Payment of 3% and 100% financing options available.

At one point and time many years ago, the FHA loan was the only alternative to local bank financing for home buyers. In the fashion world, there is a saying: Wait long enough, and everything comes back into style. That rule applies just as well to Florida FHA mortgage program. Long-overlooked, the FHA mortgage is becoming popular again with Florida Home Buyers for its low rates and the real security it provides borrowers.

For Florida banks and other mortgage lenders, FHA mortgage loan financing offers the security of a government insured Mortgage. Win/Win! To learn more, call today at 1-800-570-0448 or just use our fast and easy quick application!

For first time home buyers and other borrowers, the FHA home loans can have key advantages:

Easy Qualification - The FHA loan insures lenders against loss for loans made to properly qualified FHA home loan borrowers. So you're likely to find FHA mortgage loans with terms that make it easier for you to qualify.

Minimal Downpayment Requirements - FHA mortgages can work with as little as 3% down and those funds 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 your 1st Continental Mortgage loan officer can point you to many Downpayment assistance programs that work well with Florida FHA home loans.

Less than A-1 Credit is Okay - The Florida FHA home loan program exists to expand the pool of home buyers. Even borrowers with prior bankruptcies or mortgage lates get approved every day for FHA mortgages to buy or Refinance homes in Hillsborough County or any of the other Florida counties we serve. The FHA loan program uses credit quality, not credit score!

Lower Cost Over the Life of the Loan - The Florida FHA home loan rates are extraordinarily competitive. FHA's lower risk to the lender means a better rate for the borrower.

Safeguards for Borrowers Who Get Behind - The Florida FHA loan mortgages also allow the lender more options in helping borrowers who fall behind keep their homes are get current again: special forbearance, workouts, even free mortgage counseling. Further, 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 for you. Options to save your home you'll never get from a conventional loan! In an uncertain world, this is another excellent reason for you to get an FHA mortgage.

Options for Manufactured Housing - Under certain conditions, you can even finance a Mobile Home or manufactured home using a Florida FHA mortgage loan. Call 1-800-570-0448 to get pre-approved for a Florida FHA loan for manufactured housing or just use our quick application to learn more!

FHA Loans Are Fully Assumable - When you are ready to sell your home, you can offer buyers FHA financing! All FHA loans can be assumed by qualified buyers.

These are just seven of the many good reasons to apply for an FHA mortgage. Call 1-800-570-0448 to speak with a friendly Florida FHA loan specialist now!

The FHA program has evolved since it started in 1934 and now has options for HUD insured loans that fit a variety of different borrowers and situations.

FHA Home Loans for Purchasing a Florida Home

Although Florida FHA home loans require additional paperwork, the reality is that applying for an FHA mortgage loan in Florida is not much different from applying for conventional financing. In fact, for many borrowers the small amount of extra time turns out to be an exceptional mortgage bargain because they save thousands of dollars over the life of their Florida Mortgage.

At 1st Continental Mortgage, we have been working with the FHA program for many years. We're experts at assembling the proper paperwork and presenting your loan application to FHA approved lenders diligently and professionally. It's one of the ways that we have earned our reputation for closing FHA home loans in Florida on-time.

You may be surprised at how flexible sellers are in the current market and how many programs there are that provide Downpayment assistance to applicants for FHA financing to purchase Florida homes, condos, and townhouses. The fact is, seller can pay up to 6% towards your closing costs. This means, no closing costs for you when negotiated during the purchase contract!

The FHA program offers excellent fixed rate options and never a prepayment penalty. If other mortgage lenders are quoting you subprime rates, you owe it to yourself to make the call to 1st Continental Mortgage to compare the costs of getting an FHA home loan for your home purchase. Call 1-800-570-0448 to speak with an FHA mortgage expert before accepting any conventional mortgage quote as the best you can do!

FHA Home Loans Offer the Convenience of Streamlined Refinance

An FHA streamline refinance is one of the easiest home loans for Mortgage Lenders and borrowers. Since HUD approved you for the original FHA loan, the paperwork to refinance is minimal and the process is simple.

So long as you have made your FL FHA loan mortgage payments on time for the previous 12 months, you can lower your monthly payment if interest rates go down with minimal out of pocket expense. Even if you have been late on your FHA mortgage, you might still qualify for an FHA streamline refinance in Florida under very specific conditions.

Less documentation and no appraisal are just two of the reasons a FHA streamline refinance is cheaper and faster for the borrowers who qualify.

FHA Mortgage Loan

Streamline Refinance Requirements

When your 1st Continental Mortgage lender helps you get a streamlined FHA refinance on your existing mortgage loan, he or she will make certain that you meet these conditions:

• Your current mortgage must be an FHA mortgage.
• You must have had your FHA Mortgage for at least 6 months.
• You must have paid your mortgage on time for the most current 12 months.
• Your FHA Streamline Refinance must lower the principal and interest portion of your mortgage payment by at least $50 or convert the mortgage from an ARM to a fixed rate FHA home loan.
• You can't get cash out on the FHA streamline refi.
• You must have an FHA appraisal if you are rolling the closing costs into the FHA streamline refinance.
• Any existing liens on your Florida home must be subordinate to the new FHA mortgage.

FHA Mortgage Loan Refinance

Programs for Cashing Out Equity

Although a streamline refinance does not allow you to cash out equity, we have a FHA loan refinance program that is specifically designed for borrowers who want to cash out equity to consolidate debts, make home improvements or to access funds for other purposes.

Unlike many conventional loan programs, the FHA mortgage does not adjust the rate based upon loan to value or credit score. You will find the FHA has very reasonable underwriting guidelines for cash out refinancing.

We have helped many clients borrow up to 85% of the appraised value of their homes and use the funds to consolidate debts or to make home improvements and other purposes. Qualified borrowers will have to look hard to find lower rates and better terms than they can get on Florida FHA cash out refinance right now!

Call 1st Continental Mortgage today at 1-800-570-0448 or use our quick application to apply for an FHA refinance on your home in Sumter County or any of the other Florida counties we offer FHA mortgages in.

FHA Home Loans For Mobile Homes with Land

Although some conventional lenders in Florida shy away from making a loan on Mobile Homes or manufactured homes, many FHA mortgage loan lenders do not.

In fact, mobile homeowners fortunate enough to connect with a Florida mortgage lender, who is well schooled in how FHA loans work for mobiles and manufactured homes, can get a better interest rate, better terms, and a lower monthly payment by going FHA in nearly every case.

If you're shopping for financing to buy a mobile or manufactured home on land in Sumter County or any of the other 66 counties in Florida that we serve, call 1-800-570-0448 and let us give you a quote for an FHA mortgage loan to purchase your mobile or manufactured home.

It only takes a few minutes to get an FHA loan mortgage quote on your Florida mobile home. We'll wager that the savings on your monthly mortgage payments will make it some of the highest paid work you've ever done.

Few people realize that the FHA loan uses the same underwriting criteria for single and double wide mobile homes and manufactured housing as it does for traditional site built block or stick homes. In addition, FHA is one of the very few programs that can offer up to 97% financing on mobile homes on land. In addition, did you know that the seller can contribute up 6% toward your closing costs on an FHA mobile home loan and that down payment assistance can be used in Florida? It's true! You could package your mobile home financing to create a real no money down loan with unbelievably low rates.

Call 1-800-570-0448 or use our secure online quick application for a free no obligation quote on financing your manufactured or mobile home using an FHA mortgage loan.

FHA Mobile Home Lending Guidelines

The Department of Housing and Urban Development (HUD) sets forth these guidelines for determining if a mobile or manufactured home qualifies for an FHA mortgage loan in Florida:

• The mobile or manufactured home must be constructed in accordance with the Federal Manufactured Home Construction and Safety Standards. A red tag is attached to the rear of each section of homes that comply with the standards.
• The home must be taxed as real estate by the local tax assessor's office.
• The mobile or manufactured home must have been built after June 15, 1976.
• The mortgage must have a term of at least 30 years from when amortization begins.
• The mobile home or manufactured home must be on a permanent foundation.
• The axles and tongue must be removed from the mobile or manufactured home.
• The mobile home or manufactured home must have adequate skirting and insulation, and the crawl space must have adequate ventilation.

If you would like to determine if your mobile or manufactured home meets the guidelines for section 184 financing from FHA, call one of our Florida mortgage pros at 1-800-570-0448. We'll be glad to help you determine if the property that you are interested in can be used as collateral for an FHA mobile home mortgage.

FHA 203k Mortgages For Florida Homeowners Making Home Improvements

The FHA 203k loan program is nothing more than a specialized FHA home loan designed to help homeowners make home improvements. It is especially popular in neighborhoods with properties in need of rehabilitation.

The FHA 203k loans work in Florida communities in much the same way as Construction loans for home improvement. Eligible borrowers can use the proceeds from these mortgage to renovate and improve their primary residences.

Qualifying for a 203k FHA mortgage uses the same guidelines as a standard FHA mortgage for the purchase of a Florida home.

Target Borrowers for FHA 203K Mortgages

This specialized FHA mortgage is for Floridians who wish to buy a home that needs repairs or renovations. Just as is the case with a conventional construction loan, a single FHA 203k loan covers both purchase of the Florida real estate and renovation. FHA 203K financing can be used to purchase a property on a site and move it to a new foundation on the mortgaged property and rehabilitate it.

In addition, Florida homeowners can also use a 203k FHA mortgage to refinance existing debt when they finance one or more home improvements using the FHA 203k mortgage program.

Many borrowers are finding out what a good deal a Florida FHA home loan really is. Call 1-800-570-0448 today or simply use our quick application to find out more!

Not two generations ago, it was difficult for home buyers in Florida to get a mortgage from their local financial institution without a 20% Downpayment. Few people could manage the savings required and many otherwise qualified Floridians didn't get approved for the funds to buy a home in Florida because they did not have the minimum Downpayment to qualify for a Florida Mortgage.

Although recent problems in the subprime market have made lenders more careful about how they extend credit, it's still very possible to buy a home in Florida with little or no money down. To learn more about our Florida home buyer programs, just give us a call at 1-800-570-0448 or use our quick application to inquire today!

No Money Down Programs for Florida Home Buyers

For sure, it is much easier today to be a Florida home buyer than it was a generation ago. Even if you don't have substantial savings or perfect credit, 1st Continental Mortgage works with many lenders still willing to make loans to borrowers with limited cash for Downpayment

In fact, today in Florida 7 out of 10 first time home buyers make a Downpayment of 10% or less. A good many Floridians buy their homes with no money down at all.

Because most people who sell an existing home have some equity which can be applied to making the Downpayment on the new home, no down payment financing is most attractive to Florida first time home buyers. However, these loans are an option for all home buyers whether they have equity from a prior sale or not.

Don't be persuaded that your lack of a Downpayment means you can't become a Florida homeowner. Call 1-800-570-0448 or use our quick application to find out how simple it is to take advantage of 1st Continental Mortgage's excellent no money down mortgage programs.

With 10 plus years of helping home buyers and first time home buyers become homeowners, the skilled and experienced mortgage lenders of 1st Continental Mortgage can help you own a Florida home using these excellent no money down Mortgage programs:

• 106% Financing For Florida Home buyers - Closing costs in Florida vary but typically run from 4-6 percent of the value of the transaction. Using a 106% Florida mortgage is an excellent way to create a truly no money down home mortgage. Call 1-800-570-0448 to get pre-approved for this no money down program today! Quick Application!

• 105% Financing For Florida Home buyers - Right now sellers of homes are a little more flexible in dealing with prospective Florida home buyers because of the slower Florida housing market. That means 105% financing is often enough to produce a true no money down real estate transaction for the Florida real estate buyer, especially if your Realtor® can negotiate some help from the selling side. To learn more about our 105% mortgage programs, call 1-800-570-0448 or apply securely online for a no money down Florida mortgage. Quick Application!

• 103% Financing for Florida Home buyers - Having an experienced Mortgage Lender working with you and your Realtor® in structuring your offer to purchase is one way that many Florida home buyers get to the closing table with 103% financing. Our loan officers are standing by to answer any questions you might have about our mortgage programs for home buyers at 1-800-570-0448. Call now for a quote on 103% financing or any our other Florida lending no money down mortgage programs! We can get you a loan whether you're financing a modular home in Broward County or a single family block home in Orange County. We will make a fixed rate no money down home loan easy! Quick Application!

• 100% Financing For Florida Home Buyers - Interest rates are at historic lows and an oversupply of well built homes with high days on market! Florida home buyers should not let the lack of funds for a Downpayment make them miss what looks to be one of the best buying opportunities in Florida residential real estate in many years. A 1st Continental Mortgage representative will be happy to discuss how you can buy your Florida home with 100% finance lending. Call 1-800-570-0448, or inquire using our contact form for a no obligation quote on 100% financing from our best Florida lenders. Quick Application!

• 80/20 Financing For Florida Home buyers - Although private mortgage insurance is now deductible in many cases, many of our Florida mortgage clients want to avoid PMI but still get 100% financing. We have structured many combo loans with an 80% first mortgage and a 20% Second Mortgage or home equity line of credit to avoid PMI and still achieve a purchase money mortgage with no Downpayment requirements. Call 1-800-570-0448 or use our contact form for a quote on an 80/20 no money down combo mortgage to buy your Florida dream home. Quick Application!

• 97% Financing For Florida Home buyers - A few years ago a seller's agent faced multiple offers and could pit Florida home buyers against each other in a bidding war before accepting the highest and best offer. Now home buyers can drive through subdivisions in most Florida metros and find plenty of for sale signs. Motivated seller's agents are receptive and often willing to kick in 3 to 9% toward buyer's closing costs and Downpayment without a corresponding increase in the offered price. In this way, even 97% financing can become the way to buy a Florida home with very little money out of pocket. Call 1st Continental Mortgage right now at 1-800-570-0448 for full details on our 97% Florida mortgage loans. Quick Application!

Many First Time Home Buyers Are Eligible For No Money Down Mortgages

You may be pleasantly surprised how much money the same amount you are spending on rent every month can buy if you apply it toward a low fixed rate Florida mortgage. Why not take a step toward building equity for yourself and your family? Call 1st Continental Mortgage today at 1-800-570-0448 or use our secure online Florida mortgage quick application to get a no money down mortgage for a first time home buyer in Hillsborough County or any of the other Florida counties we serve.

Quick and Easy No Money Down Programs for Florida First Time Home Buyers

Some Florida first time home buyers hesitate because they think that the no money down loan process is too complicated or time consuming.

Not so.

1st Continental Mortgage pros have been making getting loan approvals for Florida first time home buyers easy, stress-free, and straightforward for over ten years now. We can help you get the keys to a Florida home that you own. Call 1-800-570-0448 and ask about our special no money down first time home buyer mortgage programs.

Our no money down programs for Florida home buyers include all of the following:

• Low fixed rate Florida mortgages with terms of 40,30,20,15, and 10 years;
• First time home buyer programs for Florida Jumbo and Super Jumbo Mortgages for the purchase of luxury homes;
• No money down mortgage first time home buyer programs that allow for contributions from the seller and use of gift programs to pay closing costs and prepaids;
• Florida no money down programs with Interest Only periods of 1, 3, 5, and ten years;
• Both conventional and FHA home loan programs designed specifically for first time home buyers with less than perfect credit who want a low cost alternative to a sub prime mortgage;
• Excellent programs for first time buyers seeking to purchase mobiles, modular or trailer homes with land.

Don't miss one of the best times to buy a home in Florida because you don't have a Downpayment The call and consultation are free and without obligation. Call First Continental Mortgage at 1-800-570-0448 to learn more about buying your first Florida home with no money down.

Serving all of Florida

Alachua County - Alachua, Archer, Gainesville (County Seat), Hawthorne, High Springs, La Crosse, Micanopy, Newberry, and Waldo Baker County - Glen Saint Mary, Olustee, Macclenny and Sanderson Bay County - Callaway, Cedar Grove, Lynn Haven, Mexico Beach, Panama City, Panama City Beach, Parker and Springfield Bradford County - Brooker, Hampton, Lawtey and Starke (County Seat) Brevard County - Barefoot Bay, Cape Canaveral (Port Canaveral), Cocoa, Cocoa Beach, Indialantic, Indian Harbor Beach, Malabar, Melbourne, Melbourne Beach, Melbourne Village, Palm Bay, Palm Shores, Rockledge, Satellite Beach, Titusville (County Seat), Viera and West Melbourne Broward County - Coconut Creek, Cooper City, Coral Springs, Dania Beach, Davie, Deerfield Beach, Fort Lauderdale, Hallandale Beach, Hillsboro Beach, Hollywood, Lauderdale Lakes, Lauderdale By The Sea, Lauderhill, Lazy Lake, Lighthouse Point, Margate, Miramar, North Lauderdale, Oakland Park, Parkland, Pembroke Pines, Plantation, Pompano Beach, Sea Ranch Lakes, Southwest Ranches, Sunrise, Tamarac, Weston, West Park, and Wilton Manors Charlotte County - Punta Gorda, Boca Grande, Charlott Harbor, Englewood, Grove City, Mansota Key, and Port Charlotte Citrus County - Beverly Hills, Black Diamond, Ctirus Hills, Citrus Springs, Crystal River, Floral City, Hernando, Homosassa Springs, Homosassa, Inverness (County Seat), Lecanto, Pine Ridge and Sugarmill Woods Clay County - Green Cove Springs, Keystone Heights, Orange Park and Penney Farms Collier County - Everglades City, Marco Island and Naples Columbia County - Fort White, Lake City (County Seat), Lulu and Watertown Dade County - Aventura , Bal Harbour , Bay Harbor Islands , Biscayne Park , Coral Gables , Cutler Ridge , Doral , El Portal , Florida City , Golden Beach , Hialeah , Hialeah Gardens , Homestead , Indian Creek , Islandia , Key Biscayne , Medley , Miami , Miami Beach , Miami Gardens , Miami Lakes , Miami Shores , Miami Springs , North Bay Village , North Miami , North Miami Beach , Opa-locka , Palmetto Bay , Pinecrest , South Miami , Sunny Isles Beach , Surfside , Sweetwater , Virginia Gardens and West Miami Desoto County - Arcadia (County Seat), Brownville, Cubitis, Fort Ogden, Hull, Lake Suzy, Lansing, Nocatee, Southfort, Pine Level and Platt Duval County - Atlantic Beach, Baldwin, Jacksonville, Jacksonville Beach and Neptune Beach Escambia County - Century and Pensacola Flagler County - Beverly Beach, Bunnell, Flagler Beach, Marineland and Palm Coast Franklin County - Apalachicola, Carrabelle, Eastpoint and St. George Island Gadsen County - Chattahoochee, Greensboro, Gretna, Havana, Midway, Mount Pleasant and Quincy (County Seat) Gilchrist County - Trenton, Fanning Springs and Bell

Hamilton County - Jasper, Jennings and White Springs Hardee County - Bowling Green, Wauchula and Zolfo Springs Hendry County - Clewiston, Harlem, La Belle and Port La Belle Hernando County - Brooksville (County Seat), Spring Hill and Weeki Wachee Hillsborough County - Apollo Beach, Balm, Bloomingdale, Brandon, Carrollwood Village, Dover, Gibsonton, Lithia, Lutz, Mango, Orient Park, Plant City, Riverview, Ruskin, Seffner, Sun City Center, Tampa (County Seat), Temple Terrace, Thonotosassa, Valrico, Wimauma and Ybor City Highlands County - Avon Park, Lake Placid and Sebring Indian River County - Fellsmere, Indian River Shores, Orchid, Roseland, Sebastian and Vero Beach (County Seat) Jefferson County - Alford, Bascom, Campbelltown, Cottondale, Graceville, Grand Ridge, Greenwood, Jacob City, Malone, Marianna (County Seat) and Sneads Lafayette County - Day and Mayo (County Seat) Lake County - Altoona, Astatula, Astor, Bassville Park, Clermont, Eustis, Forest Hills, Fruitland Park, Groveland, Howey-In-The-Hills, Lady Lake, Leesburg, Mascotte, Minneola, Montverde, Mount Dora, Mount Plymouth, Paisley, Sorrento, Tavares, Umatilla and Yalaha Lee County - Fort Myers and Cape Coral Leon County - Tallahassee (County Seat) and Woodville Madison County - Greenville, Lee and Madison (County Seat) Manatee County - Anna Maria, Bradenton (County Seat), Bradenton Beach, Holmes Beach, Longboat Key, Myakka City, Oneco and Palmetto Marion County - Belleview, Citra, Dunnellon, Eureka, Fort McCoy, McIntosh, Ocala, Reddick and Summerfield Martin County - Jupiter Island, Ocean Breeze Park, Sewall's Point, Stuart, Hobe Sound, Jensen Beach and Palm City Monroe County - Islamorada, Key Coloney Beach, Key West, Layton and Marathon Nassau County - Nassau Village-Ratliff, Yulee, Crawford, Dahoma, Kent, Italia, Dyal, Ingle, Kings Ferry, Lessie, Boulougne, O Neill, Andrews, Evergreen, Verdie, Callahan, Fernandina Beach, Hilliard and Bryceville Okaloosa County - Cinco Bayou , Crestview , Destin , Fort Walton Beach , Laurel Hill , Mary Esther , Niceville , Shalimar and Valparaiso Okeechobee County - Cypress Quarters and Okeechobee (County Seat)

Orange County - Apopka, Bay Lake, Belle Isle, Christmas, Doctor Phillips, Eatonville, Edgewood, Lake Buena Vista, Maitland, Oakland, Ocoee, Orlando, Windermere, Winter Garden and Winter Park Osceola County - Campbell, Celebration, Kissimmee, Poinciana and St. Cloud Palm Beach County - Atlantis , Belle Glade , Boca Raton , Boynton Beach , Briny Breezes , Cloud Lake , Delray Beach , Glen Ridge , Golf , Greenacres , Gulf Stream , Haverhill , Highland Beach , Hypoluxo , Juno Beach , Jupiter , Jupiter Inlet Colony , Lake Clarke Shores , Lake Park , Lake Worth , Lantana , Manalapan , Mangonia Park , North Palm Beach , Ocean Ridge , Pahokee , Palm Beach , Palm Beach Gardens , Palm Beach Shores , Palm Springs , Riviera Beach , Royal Palm Beach , South Bay , South Palm Beach , Tequesta , Wellington and West Palm Beach Pasco County - Dade City (County Seat), Gulf Harbors, Holiday, New Port Richey, Odessa, Port Richey, San Antonio, Shady Hills, St. Leo, Trinity, Wesley Chapel and Zephyrhills Pinellas County - Belleair, Belleair Beach, Belleair Bluffs, Belleair Shore, Clearwater (County Seat), Dunedin, Gulfport, Indian Rocks Beach, Indian Shores, Kenneth City, Largo, Madeira Beach, North Redington Beach, Oldsmar, Pinellas Park, Redington Beach, Safety Harbor, Seminole, South Pasadena, St. Pete Beach, St. Petersburg, Tarpon Springs, Treasure Island and Ozona Polk County - Auburndale, Bartow, Davenport, Dundee, Eagle Lake, Fort Meade, Frostproof, Haines City, Highland Park, Hillcrest Heights, Lake Alfred, Lake Hamilton, Lake Wales, Lakeland, Mulberry, Polk City and Winter Haven Putnam County - Crescent City, East Palatka, Interlachen, Palatka, Pomona Park and Welaka St. Johns County - Hastings, Marineland, St. Augustine and St. Augustine Beach St. Lucie County - Fort Pierce (County Seat), Port St. Lucie and St. Lucie Village Santa Rosa County - Gulf Breeze, Jay and Milton Sarasota County - Nokomis, Osprey, North Port, Sarasota (County Seat) and Venice Seminole County - Altamonte Springs, Casselberry, Geneva, Lake Mary, Longwood, Oviedo, Sanford and Winter Springs Sumter County - Bushnell, Center Hill, Coleman, Lake Panasoffkee, Sumterville, Oxford, The Villages, Webster and Wildwood Suwannee County - Branford, Dowling Park, Live Oak (County Seat), McAlpin and Three Rivers Volusia County - Daytona Beach, Daytona Beach Shores, DeBary, DeLand (County Seat), Deltona, Edgewater, Holly Hill, Lake Helen, New Smyrna Beach, Oak Hill, Orange City, Ormond Beach, Pierson, Ponce Inlet, Port Orange and South Daytona Union County - Lake Butler (County Seat), Raiford and Worthington Springs Wakulla County - Crawfordville (County Seat), Sopchoppy, Smith Creek, St. Marks, Wakulla Beach and Wakulla Springs Walton County - De Funiak Springs Washington County Caryville, Chipley, Ebro, Sunnyville, Vernon and Wausau