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


PERDIDO KEY 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 

PERDIDO KEY FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:

• Perdido Key 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.

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

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

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

 

HOMES FOR SALE IN PERDIDO KEY FLORIDA
PERDIDO KEY FLORIDA FHA APPROVED APPRIASERS LIST

PERDIDO KEY FLORIDA:

Perdido Key, Florida is an unincorporated community in Escambia County, Florida, between Pensacola, Florida and Orange Beach, Alabama. "Perdido" means "lost" in the Spanish language. The community is located on and named for Perdido Key, a barrier island in northwest Florida and southeast Alabama.

PERDIDO KEY FLORIDA FHA APPRIASERS:

The following list of Perdido Key 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 Perdido Key Florida.

Name

License/
Expiration Date

Address

ROBERT G WADDELL

FLRD2885               
(Certified Residential) 
11-30-2016

WADDELL ASSOCIATES REALTY
PO BOX 4988
PENSACOLA,  FL  325070000

AMY L MAXWELL

FLRD3505               
(Certified Residential) 
11-30-2016

AMY MAXWELL APPRAISAL SERVICE
P.O. BOX 4413
PENSACOLA,  FL  325070000

ROBERT W HOUGHTON

FLRD3509               
(Certified Residential) 
11-30-2016

EMERALD COAST APPRAISAL
409 S. NAVY BOULEVARD
PENSACOLA,  FL  325070000

MARTY D MESSER

FLRD5775               
(Certified Residential) 
11-30-2016

EMERALD COAST APPRAISAL SERV.
409 S NAVY BOULEVARD
PENSACOLA,  FL  325070000

VICTOR K HARRISON

FLRD7470               
(Certified Residential) 
11-30-2016

GULF COAST APPRAISALS
1301 WILSON AVENUE
PENSACOLA,  FL  325070000

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

About the City of Perdido Key

From the beginning of the 17th century, Spanish and French explorers, imagining riches in the New World, began colonizing the northern coast of the Gulf of Mexico. A Spanish expedition from Vera Cruz, Mexico had settled on what became known as Santa Rosa Island on Panzacola Bay, named after the indigenous people, later known as the Pensacola Indians. Panzacola means "the village of hairy people." The French developed a settlement along the coast near Maubila (Mobile).
In 1693 noted cartographer and scientist Carlos de Sigüenza y Góngora was sent by the Spanish government to locate the entrance. Even after he located the mouth of the bay, he was unable to find a waterway deep enough to sail through. According to legend, Siquenza's ship had been blown off course as he was again searching for the pass into the deep inland waters. The ship was spotted by an Indian chief camped with his tribe at Bear Point.
As the chief was walking next to the water, he spotted Carlos de Sigüenza y Góngora attempting to reef his sails. He offered to guide Siquenza and his men to a connecting deep water channel from the Gulf of Mexico into the more tranquil bay. When the search party finally located the elusive bay, they called it Perdido, which in Spanish means "lost" or "hidden".

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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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