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

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


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Comments (9)

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
Lorena Westervelt
Van West Realty - Greenville, SC

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!

Oct 01, 2008 02:03 PM
Kevin Wood,
Keller Williams Southern Arizona - Tucson, AZ
Tucson, AZ Realtor


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
Ron Martin
Keller Williams Realty - Spartanburg, SC
Ron Martin Team

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
Marcy Fedalei
Keller Williams Realty - Spartanburg, SC

Welcome to Active Rain and thanks for sharing your ideas.

Oct 02, 2008 12:08 AM
Yvette Gardner
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!!

Oct 02, 2008 12:12 AM
Ginger Ryals
Prudential C Dan Joyner and Young Realtors - Spartanburg, SC

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

Oct 02, 2008 12:49 PM
Bill Kennedy
Keller Williams Greenville Upstate - Greenville, SC
Homes For Sale Greenville SC

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!

Good luck with your future blogging.  If you'd like more info on points in Active Rain, I just wrote a blog about it (click here). Feel free to ask me any questions if you need a hand!

Oct 02, 2008 12:51 PM
Vicente A. Martinez
Prudential Douglas Elliman Licensed Real Estate Salesperson - Woodhaven, NY
Realtor, Brooklyn - Long Island - Queens Homes

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.

Oct 02, 2008 02:03 PM