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Florida-Mortgage-Lenders.com is a leading Melrose Florida FHA Mortgage Company. All situations welcome.
What is an Florida FHA Mortgage? FHA mortgages have been helping Melrose Florida people become homeowners since 1934. Melrose Florida FHA mortgage loans are backed by the FHA which is short for the Federal Housing Administration. FHA insures the FHA mortgage loan so Melrose Florida mortgage lenders can offer easier loan qualifying and lower down payment FHA mortgage options.


MELROSE FLORIDA FHA MORTGAGE ADVANTAGES

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FHA Loans for Buying a Florida Home or FHA Refinance Mortgages 

1STARTNOW

 www.Florida-Mortgage-Lenders.com 

MELROSE FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:

• Melrose FL Down payment only 3.5% of the purchase price.
• Gifts from family or Grants for down payment assistance and closing costs OK!
• Seller can credit buyers up to 6% of sales price towards buyer's costs.
• No reserves or future payments in account required.
• FHA regulated closing costs.

MELROSE FLORIDA FHA MORTGAGE LOANS ARE EASY TO QUALIFY FOR BECAUSE YOU CAN:

• Purchase a Melrose Florida home 12 months after a chapter 13 Bankruptcy
• Purchase a Melrose Florida 24 months after a chapter 7 Bankruptcy.
• FHA will allow a FHA mortgage 3 years after a Foreclosure.
• Minimum FICO credit score of 580 required for 96.5% financing.
• Melrose Bad credit Florida FHA mortgage approvals minimum FICO credit score of 530 required for 90 FHA financing.
• No Credit Score Florida mortgage loans & No Trade Line Florida FHA home loans.

MELROSE FLORIDA FHA MORTGAGE LOANS ALLOW HIGHER DEBT TO INCOME & EASIER JOB QUALIFYING:

• FHA allows higher debt ratio's than any other Florida home loan programs.
• Less than two years on the same job is OK!
• Self-employed buyers can also qualify for FHA.
• Check Florida FHA Mortgage Articles for more information.

During the Melrose Florida Housing Boom the FHA Mortgage had become an uncommon mortgage loan product because of the plentiful supply of credit including Subprime, Conventional, and Fannie Mae. Many Melrose Florida homebuyers obtained Mortgage Loans with 0% down payment and reduced loan documentation requirements. After the crash, as Fannie Mae and other Melrose Florida mortgage lenders retreated from these riskier loan products, FHA stepped in Melrose Florida FHA Home Loans became the only option for borrowers with a lowdown payment and less than perfect credit.

 

HOMES FOR SALE IN MELROSE FLORIDA
MELROSE FLORIDA FHA APPROVED APPRIASERS LIST

MELROSE FLORIDA:

Melrose is an unincorporated community in Alachua, Bradford, Clay, and Putnam counties in the U.S. state of Florida. It lies on State Road 26 approximately 30 km (19 mi) east of Gainesville and approximately 80 km (50 mi) southwest of Jacksonville.

MELROSE FLORIDA FHA APPRIASERS:

The following list of Melrose Florida FHA mortgage appraisers has been assembled from the HUD.gov database. Visit the HUD website for the most current list of FHA mortgage appraisers in Melrose Florida.

Name

License/
Expiration Date

Address

JOSEPH M FOY

FLRD5266               
(Certified Residential) 
11-30-2016

8296 MELROSE ROAD
MELROSE,  FL  326660000

LORI MARSALA

IL556.002204           
(Certified Residential) 
09-30-2015

PROFESSIONAL ACCURATE R.E. APP
6 N. 9TH AVENUE
MELROSE PARK,  IL  601600000

NICHOLAS S CONTEDUCA

IL556.004267           
(Certified Residential) 
09-30-2015

1533 N. 34TH AVENUE
MELROSE PARK,  IL  601600000

PAULA M RENZULLO-RINGHAM

MA3472                 
(Certified Residential) 
09-02-2016

20 CREST AVE
MELROSE,  MA  021760000

KENNETH S JOHNSON

MA4237                 
(Certified Residential) 
10-12-2015

PREMIER APPRAISAL GROUP
288 UPHAM STREET
MELROSE,  MA  021760000

KENNETH S JOHNSON

OH2011002996           
(Certified Residential) 
12-19-2015

PREMIER APPRAISAL GROUP
288 UPHAM STREET
MELROSE,  MA  021760000

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Melrose FHA MORTGAGE  / Melrose VA / Melrose Melrose FHA REFINANCE / Melrose NO CREDIT / Melrose BAD CREDIT / Melrose HARD MONEY / Melrose LOAN INFO / Altamonte SpringsHA INFO / FHA LOAN  LIMITS

About the City of Melrose

Melrose was settled in the second half of the 19th century at the crossing of the Bellamy Road(now State Road 26) and the Starke-Orange Springs Road (now State Road 21), near the Eliam Church and Shakerag race course, and about one mile from the older settlement of Banana. The new town was named Melrose after Melrose Abbey in Melrose, Scotland.
It was reported that the ladies of the town did not want it to be known as Shakerag. The town of Melrose included part of the Shakerag race course, but there was no settlement at the Shakerag race course before Melrose was settled, and Tolles states that "[t]o say Melrose used to be called Shake Rag is poetic license.
In the late 1800s, the citrus industry thrived in the area. Local growers would bring their yearly harvest to Melrose, where it was loaded onto steam ships in lake Santa Fe. The ships would then steam from lake Santa Fe to Lake Alto, and then Lake Alto to the town of Waldo using man made canals. The citrus was then taken by rail across the United States. Unfortunately, in 1894 two devastating freezes hit the Melrose area and destroyed local groves. Growers then relocated to warmer areas in the central and southern parts of Florida.

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CREDIT REQUIREMENTS

FHA MORTGAGE

550 MIN FICO

PORTFOLIO MORTGAGE

NO MINIMUM

VA MORTGAGE

550 MIN FICO SCORE 

USDA LOANS

580 MIN FICO SCORE 

FANNIE MAE.

620 MIN FICO SCORE 

FREDDIE MAC

620 MIN FICO SCORE 

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