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


NICHOLS FLORIDA FHA MORTGAGE ADVANTAGES

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FHA Loans for Buying a Florida Home or FHA Refinance Mortgages 

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 www.Florida-Mortgage-Lenders.com 

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

• Nichols 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.

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

• Purchase a Nichols Florida home 12 months after a chapter 13 Bankruptcy
• Purchase a Nichols 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.
• Nichols 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.

NICHOLS 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 Nichols 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 Nichols Florida homebuyers obtained Mortgage Loans with 0% down payment and reduced loan documentation requirements. After the crash, as Fannie Mae and other Nichols Florida mortgage lenders retreated from these riskier loan products, FHA stepped in Nichols Florida FHA Home Loans became the only option for borrowers with a lowdown payment and less than perfect credit.

 

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

NICHOLS FLORIDA:

Nichols is an unincorporated community in Polk County, Florida, United States. Nichols is 11.4 miles (18.3 km) south-southwest of Lakeland. Nichols has a post office with ZIP code 33863.

NICHOLS FLORIDA FHA APPRIASERS:

The following list of Nichols 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 Nichols Florida.

Name

License/
Expiration Date

Address

SARAH B DEVERS

NCA6387                
(Certified Residential) 
06-30-2015

PO BOX 142
NICHOLS,  SC  295810000

SARAH B DEVERS

SC4431                 
(Certified Residential) 
06-30-2016

PO BOX 142
NICHOLS,  SC  295810000

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

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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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