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


PALM HARBOR FLORIDA FHA MORTGAGE ADVANTAGES

0. FHA Mortgage Lenders Info

FHA Loans for Buying a Florida Home or FHA Refinance Mortgages 

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 www.Florida-Mortgage-Lenders.com

PALM HARBOR FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:

• Palm Harbor 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.

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

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

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

FHA REVERSE MORTGAGE LENDERS IN PALM HARBOR FL

FLORIDA REVERSE MORTGAGE REQURIMENTS:

  1. Own the property outright or owe less than 50% balance on your Florida home.
  2. Be 62 years of age or older
  3. Occupy a Florida home as your principal residence
  4. Not be delinquent on any federal debt
  5. Have financial resources to continue to make timely payment of ongoing property charges such as property taxes, insurance and Homeowner Association fees, etc.
  6. Participate in a consumer information session given by a HUD- approved Reverse Mortgage counselor

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www.Florida-Mortgage-Lenders.com

 

HOMES FOR SALE IN PALM HARBOR FLORIDA
PALM HARBOR FLORIDA FHA APPROVED APPRIASERS LIST

PALM HARBOR FLORIDA:

Palm Harbor is a census-designated place and unincorporated community in Pinellas County, Florida, United States. As of the 2010 census, the CDP had a population of 57,439.

PALM HARBOR FLORIDA FHA APPRIASERS:

The following list of Palm Harbor 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 Palm Harbor Florida.

Name

License/
Expiration Date

Address

STEVEN H CODERRE

FLRD1409               
(Certified Residential) 
11-30-2016

LENDERS CHOICE APPRAISAL SER.,
5 LINDEN LANE
PALM HARBOR,  FL  346930000

WILLIAM S MCELVEEN

FLRD1869               
(Certified Residential) 
11-30-2016

HUNTINGTON NATIONAL BANKER
1979 FISHERMANS BEND
PALM HARBOR,  FL  346850000

FREDERICK D ZACHARIAS

FLRD1873               
(Certified Residential) 
11-30-2016

ZACHARIAS APPRAISERS & CONSULT
2203 TONIWOOD LANE
PALM HARBOR,  FL  346850000

SUSAN E JOHNSON

FLRD1890               
(Certified Residential) 
11-30-2016

SUSAN E. JOHNSON & ASSOC.
207 W CANAL DR
PALM HARBOR,  FL  346840000

KEVIN J CAMPANARO

FLRD2757               
(Certified Residential) 
11-30-2016

K.N.S. APPRAISAL INC
1897 CITRUS HILL ROAD
PALM HARBOR,  FL  346833320

DINA M MEATH

FLRD2917               
(Certified Residential) 
11-30-2016

APPR ASSOC OF TAMPA BAY, INC
2984 LAHLOR LANE
PALM HARBOR,  FL  346840000

ELLY Z VAZQUEZ

FLRD3479               
(Certified Residential) 
11-30-2016

1580 CHUKAR RIDGE
PALM HARBOR,  FL  346830000

MARCY HAENIG

FLRD3697               
(Certified Residential) 
11-30-2016

2247 BLUE TERN DRIVE
PALM HARBOR,  FL  346830000

ROBERT D VANDERLAAN

FLRD402                
(Certified Residential) 
11-30-2016

ROBERT VANDERLAAN
1683 SPOTTSWOOD CIR
PALM HARBOR,  FL  346830000

BERNICE R RUBY

FLRD4058               
(Certified Residential) 
11-30-2016

5100 MANCHESTER CT # 202
PALM HARBOR,  FL  346850000

DARLENE E KOBSA

FLRD421                
(Certified Residential) 
11-30-2016

PRIORITY APPRAISAL SERVICES
3584 FAIRWAY FOREST DRIVE
PALM HARBOR,  FL  346850000

RAUL J HEGEMAN

FLRD437                
(Certified Residential) 
11-30-2016

HEGEMAN & ASSOCIATES
3044 BIRCHWOOD COURT
PALM HARBOR,  FL  346840000

RICHARD A STERNBERG

FLRD4452               
(Certified Residential) 
11-30-2016

REAL VALUATION, INC
3203 MCMATH DR
PALM HARBOR,  FL  346840000

KELLY N PERKETT

FLRD4529               
(Certified Residential) 
11-30-2016

KP APPRAISALS, INC.
2138 CIMARRON TERRACE
PALM HARBOR,  FL  346830000

CHRISTOPHER S FAVIRE JR

FLRD4706               
(Certified Residential) 
11-30-2016

PRECISE APPRAISERS OF FL., INC
702 1ST COURT
PALM HARBOR,  FL  346840000

JOHN T MAYOCK

FLRD513                
(Certified Residential) 
11-30-2016

MAYOCK APPRAISAL COMPANY LLC
450 CASCADE LANE
PALM HARBOR,  FL  346840000

JOSEPH A JOHNSON

FLRD5230               
(Certified Residential) 
11-30-2016

A & J JOHNSON, LLC
774 HEATHROW LANE
PALM HARBOR,  FL  346830000

VALERI N EVANS

FLRD5232               
(Certified Residential) 
11-30-2016

APPRAISAL LINK
PO BOX 6008
PALM HARBOR,  FL  346840000

CYNTHIA A GIORDANO

FLRD5690               
(Certified Residential) 
11-30-2016

KEYSTONE APPRAISAL SERVICE
4257 PRESERVE PLACE
PALM HARBOR,  FL  346850000

ANNA JOHNSON

FLRD5797               
(Certified Residential) 
11-30-2016

A & J JOHNSON, LLC
774 HEATHOR LANE
PALM HARBOR,  FL  346830000

BARRY J CANEVARI

FLRD6645               
(Certified Residential) 
11-30-2016

3064 LANDING WAY
PALM HARBOR,  FL  346840000

GREG COLUMBO

FLRD6703               
(Certified Residential) 
11-30-2016

159 LAGOON WAY
PALM HARBOR,  FL  346840000

ALEXANDER C GRASSIA

FLRD7590               
(Certified Residential) 
11-30-2016

ALEXANDER APPRAISALS
1897 EAGLE TRACE BLVD
PALM HARBOR,  FL  346850000

JEDIDIAH A HOEFER

FLRD7908               
(Certified Residential) 
11-30-2016

923 WOODGATE DR
PALM HARBOR,  FL  346850000

STEVEN A PORCARO

FLRZ2841               
(Certified General) 
11-30-2016

PORCARO GROUP INC
5059 KERNWOOD COURT
PALM HARBOR,  FL  346850000

ADAM P LANGROCK

FLRZ3197               
(Certified General) 
11-30-2016

1373 WEXFORD DRIVE SOUTH
PALM HARBOR,  FL  346830000

BERNICE R RUBY

LA2956                 
(Certified Residential) 
12-31-2015

5100 MANCHESTER CT # 202
PALM HARBOR,  FL  346850000

STEVEN A PORCARO

MA597                  
(Certified General) 
02-19-2016

PORCARO GROUP INC
5059 KERNWOOD COURT
PALM HARBOR,  FL  346850000

JEDIDIAH A HOEFER

NVA.0205511-CR         
(Certified Residential) 
10-31-2016

923 WOODGATE DR
PALM HARBOR,  FL  346850000

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About the City of Palm Harbor

Palm Harbor was originally called Sutherland, a shortening of Southern Land and Development Company, the group that originally platted the community as Sutherland, Hillsborough County, in 1888. The name was changed to Palm Harbor in 1925. Palm Harbor was originally settled by area pioneers including the Thompsons ca 1865, the Whitehursts, the Hollands, the Tinneys, the Suttons, the Rivieres, the Bensons, the Roberts, The Billgores, The Severs, The Allens, the Aldermans and the Wilsons. J.C. Craver was the first Northerner to permanently settle in this portion of Hillsborough County. According to Craver's diary, still in the family, he came here in the winter of 1877 upon the advice of his physician. A post office commission under the name of Bay St. Joseph was granted in 1878, this being the earliest written record of the community.
According to the United States Census Bureau, the CDP has a total area of 26.6 square miles (68.9 km2). 17.4 square miles (45.0 km2) of it is land, and 9.2 square miles (23.9 km2) of it (34.67%) is water.
There were 25,461 households out of which 27.0% had children under the age of 18 living with them, 55.3% weremarried couples living together, 8.5% had a female householder with no husband present, and 33.6% were non-families. 28.1% of all households were made up of individuals and 14.2% had someone living alone who was 65 years of age or older. The average household size was 2.28 and the average family size was 2.79.

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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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