FHA Mortgage Lender Florida, FHA Home Loans Florida, FHA Programs for first time homebuyers

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Mortgage and Lending with 1st Continental Mortgage

 

 

 Florida FHA Home Loan Programs, Florida FHA Home Loans

>>>Click Here1ST Continental Mortgage <<Click Here is Florida's FHA Mortgage Specialist.  

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.

Easier Credit Qualifying Guidelines such as:

  •  
    • 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.

 

 you are looking to buy property in Florida then you want to seriously consider an Florida FHA mortgage. The FHA loan offers some of the most competitive home loan rates and programs, but still there are a lot of finer details that you may miss out on. Florida fast turning out to be the new condominium destination apart from the other real estate options that are also available.

An Florida FHA Loan is insured by the Federal Housing Administration, which is one of the divisions of Department of Housing and Urban Development or HUD. FHA loans offer flexible credit guidelines. There are certain criteria and requirements that you will have to meet in order to apply and get an Alabama FHA Home Loan. Some of the criteria are:

  • You should be able to show a good credit payment history for the previous 12 months
  • If you have filed for bankruptcy then you should be in Chapter 13 bankruptcy and need to be paying on time or in Chapter 7 bankruptcy but discharged for at least 2 years.
  • An FHA loan also entitles you to apply for a home loan with a market limit that is in sync with that specific area's FHA loan limits.
  • FHA loans don't have any income restrictions.

Some of the major benefits that you can enjoy with an FHA loan in Florida are:

The most important part is to find a good or reputable Florida mortgage company like 1st Continental Mortgage Any Florida  FHA lender must be approved by HUD in order to originate the FHA home loan program.

Our FHA Loan program in Florida  is very competitive, beneficial and regarded as an outstanding mortgage opportunity for any home buyer or homeowner. You need to know that the Federal housing authority or FHA does not originate the FHA home loans, which are basically funded under the FHA loan category. They will only insure FHA mortgages, which have been underwritten by an approved FHA mortgage lender like 1st Continental Mortgage, or placed with a lender by a HUD approved mortgage broker.

The Federal Housing Administration was actually created by congress in 1937 to provide more Americans with an opportunity at buying a home through financing options that were not present at the time. Before FHA came into the picture, owning a home meant a huge down payment of anywhere between 30 to 50%, plus the loans were offered through the local community banks with limitations in the form of terms and conditions. FHA revolutionized the mortgage lending industry for the average America.

As an Florida Mortgage originator, 1st Continental Mortgage charges standard FHA Lending Fees, which normally don't change. On top of that you get a great mortgage rate, which is independent of your credit scores. The home inspection and home appraisal are the two costs, which need to be paid for before closing. So if you haven't closed then you won't have to pay any other lender fee.

There are various types of loan costs involved in an Florida FHA loan, as a AL FHA borrower, there are also certain fees you cannot be charged. Below is a simple list and not all items may apply to you:

  • The lenders fee: This includes underwriting, loan processing, wire transfers, loan origination, credit report, funding, and prepaid interest.
  • Closing Costs: This includes settlement, closing, title inspection, title search, insurance binder, warehouse, owner policy and lender policy.
  • Various government costs: These would include recording fee, document tax, state document tax, appraisals, home inspection and termite inspection.

When you are considering an Florida FHA mortgage lender, there are certain considerations or finer points that you need to check. At 1st Continental Mortgage we strive hard to meet our own and your expectations:

  • The mortgage lender should offer you a competitive FHA Interest Rates
  • They should have flexible FHA Loan qualification guidelines
  • The mortgage company should have creative financing solutions
  • They should offer simple interest, fixed and adjustable interest rates for more variation and choice
  • The lending company should offer low rate debt consolidation loans
  • They should have the FHA 203k loan for home rehabilitation and improvement
  • They should be a true, full service FHA company and not discriminate by type of home you want to finance. FHA will finance a wide range of home types including manufactured homes with land. Lenders who "Do FHA" but won't underwrite and fund qualified borrowers for a manufactured home loan don't deserve your business! All the FHA loans offered by them should be HUD approved including manufactured home loans.

 

 

Also providing Florida FHA loans,  Florida FHA, Florida mortgages

:

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

 

Refinance,  Home Buyer Financing, Homeowner Refinance, Construction Loans, FHA Loans, FHA Loan Limits, Mobile Home Loans, Foreclosure Help, Jumbo Mortgage Loans, Interest Only Loan, Real Estate Investors, Second Mortgage, Bad Credit Mortgage, Florida Mortgage Lender, Bad Credit,, Florida Limits, Mobile home loan, Florida Lender,

Proudly Serving These Counties:
Marion | Sumter | Lake | Seminole | Orange | Osceola | Polk | Hardee | Highlands | Volusia
Brevard | Indian River | Okeechobee | St. Lucie | Citrus | Hernando | Pasco | Pinellas
Hillsborough | Manatee | Sarasota | DeSoto | Gadsden | Leon | Wakulla | Jefferson | Madison
Taylor | Hamilton | Suwannee | Lafayette | Dixie | Columbia | Union | Bradford | Gilchrist
Alachua | Levy | Baker | Nassau | Duval | Clay | St Johns | Putnam | Flagler | Escambia
Santa Rosa | Okaloosa | Walton | Holmes | Washington | Bay | Jackson | Calhoun | Liberty
Gulf | Franklin | Martin | Palm Beach | Broward | Miami-Dade | Monroe | Charlotte
Glades | Lee | Hendry | Collier

 

 

 

 

 

 

 

 

 

Counties

City of Alachua Website: www.cityofalachua.com
City of Altamonte Springs Website: www.altamonte.org
City of Anna Maria Website: www.cityofannamaria.com
City of Apopka Website: www.apopka.net
Town of Astatula Website: www.townofastatula-fl.gov
City of Atlantic Beach Website: www.coab.us
City of Atlantis Website: www.atlantisfla.org
City of Auburndale Website: www.auburndalefl.com
City of Aventura Website: www.cityofaventura.com
City of Avon Park Website: www.avonpark.cc
Village of Bal Harbour Website: www.balharbourgov.com
City of Bartow Website: www.cityofbartow.net
Town of Bay Harbor Islands Website: www.bayharborislands.org
City of Bay Lake Website: www.rcid.org/city_bl.cfm
City of Belle Glade Website: www.belleglade-fl.com
City of Belle Isle Website: www.cityofbelleislefl.org
Town of Belleair Website: www.townofbelleair-fl.gov
City of Belleair Beach Website: www.cityofbelleairbeach.com
City of Belleair Bluffs Website: www.belleairbluffs.org
Town of Belleair Shore Website: www.belleairshore.com
City of Belleview Website: www.belleviewfl.org
Village of Biscayne Park Website: www.biscayneparkfl.gov
City of Blountstown Website: www.blountstown.org
City of Boca Raton Website: www.ci.boca-raton.fl.us
City of Bonita Springs Website: www.cityofbonitasprings.org
City of Boynton Beach Website: www.boynton-beach.org
City of Bradenton Website: www.cityofbradenton.com
City of Bradenton Beach Website: cityofbradentonbeach.com
Town of Branford Website: www.townofbranford.com
City of Brooksville Website: www.ci.brooksville.fl.us
County of Broward County Website: www.broward.org
City of Bushnell Website: www.cityofbushnellfl.com
City of Callaway Website: www.cityofcallaway.com
City of Cape Canaveral Website: www.myflorida.com/cape
City of Cape Coral Website: www.capecoral.net
City of Casselberry Website: www.casselberry.org
City of Chattahoochee Website: www.ci.chattahoochee.fl.us
City of Chiefland Website: www.chiefland.govoffice.com
City of Chipley Website: www.cityofchipley.com
Town of Cinco Bayou Website: www.cincobayou.com
City of Clearwater Website: www.myclearwater.com
City of Clermont Website: www.cityofclermontfl.com
City of Clewiston Website: www.clewiston-fl.gov
City of Cocoa Website: www.cocoafl.org
City of Cocoa Beach Website: www.cityofcocoabeach.com
City of Coconut Creek Website: www.coconutcreek.net
City of Cooper City Website: www.coopercityfl.org
City of Coral Gables Website: www.coralgables.com
City of Coral Springs Website: www.coralsprings.org
City of Crescent City Website: www.crescentcity-fl.com
City of Crestview Website: www.cityofcrestview.org
City of Crystal River Website: www.crystalriverfl.org
Town of Cutler Bay Website: www.cutlerbay-fl.gov

of Dade City Website: www.dadecityfl.com

City of Dania Beach Website: www.daniabeachfl.gov
Town of Davie Website: www.davie-fl.gov
City of Daytona Beach Website: www.ci.daytona-beach.fl.us
City of Daytona Beach Shores Website: www.dbshores.org
City of DeBary Website: www.debary.org
City of Deerfield Beach Website: www.deerfield-beach.com
City of DeFuniak Springs Website: www.defuniaksprings.net
City of DeLand Website: www.deland.org
City of Delray Beach Website: www.mydelraybeach.com
City of Deltona Website: www.ci.deltona.fl.us
City of Destin Website: www.cityofdestin.com
City of Doral Website: www.cityofdoral-fl.gov
Town of Dundee Website: www.townofdundee.com
City of Dunedin Website: www.dunedingov.com
City of Dunnellon Website: www.dunnellon.org

 

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Kirk Westervelt
Van West Realty - Greenville, SC Realtor -Short Sale Expert! - Greenville, SC
Kirk Westervelt, Broker In Charge, Van West Realty - CDPE - Short Sale Agent - Home for Sale - Greenville, Simpsonvil...

Hello and welcome to Active Rain! I encourage you to learn from others, share your knowledge and experiences with all of us, enjoy yourself, and try to log in and join us in the Active Rain community as frequently as possible. I look forward to your future blogs and comments! Take care, --Kirk.

Oct 01, 2008 01:22 PM #2
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Hello, welcome to Active Rain! This seems like a wonderful environment to network as well as learn from others. I hope you enjoy yourself and participate often in the Active Rain environment!

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Tommy,

Welcome! Sharing your perspective makes Active Rain what it is, an unlimited educational resource. The more you express who you are and what makes you tick the more people will know, like, and trust you. And will probably refer you. Just like anything else in life the "Giver's will Gain".

 

 

Oct 01, 2008 03:21 PM #4
Rainer
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Ron Martin
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Good morning & welcome to Active Rain, You have joined an excellent site to receive free marketing, absorb more information from others, share ideas.  Be a blogger and have fun. If you have any clients moving to the Greenville, Spartanburg, & Anderson South Carolina area we are your team. We are on all three MLS. Great blog!  Keep it up. Again Welcome!!

Oct 01, 2008 11:26 PM #5
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Marcy Fedalei
Keller Williams Realty - Spartanburg, SC

Welcome to Active Rain and thanks for sharing your ideas.

Oct 02, 2008 12:08 AM #6
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Keller Williams Realty, Spartanburg, SC - Spartanburg, SC

Welcome to the Active Rain community. You have chosen a great site with tons of information you can learn from.  Have fun with it and hope to see more of your blogs soon!  We have a team of four outstanding full time agents to assist your buyers and sellers in Spartanburg/Greenville, SC.  Again, welcome to AR!!

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Welcome to Active Rain!! This is a great site to network and share ideas!! Have fun with it!!

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Welcome to Active Rain! This is a great website for building your business, as well as learning from others.  Pat yourself on the back, because you made a GREAT choice in joining the blogosphere!

Write often, and write whatever comes to mind.  Blogs about personal topics and non-real estate items are often the best.  It helps your readers to bond with you, and ends up bringing you a lot of business!

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Hi and welcome to active|rain. There are thousands of tips, tools, and tricks of the trade here. Be sure to check them out. Best of luck and see you around.

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