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


SANTA ROSA BEACH 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 

SANTA ROSA BEACH FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:

• Santa Rosa Beach 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.

SANTA ROSA BEACH FLORIDA FHA MORTGAGE LOANS ARE EASY TO QUALIFY FOR BECAUSE YOU CAN:

• Purchase a Santa Rosa Beach Florida home 12 months after a chapter 13 Bankruptcy
• Purchase a Santa Rosa Beach 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.
• Santa Rosa Beach 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.

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

 

HOMES FOR SALE IN SANTA ROSA BEACH FLORIDA
SANTA ROSA BEACH FLORIDA FHA APPROVED APPRIASERS LIST

SANTA ROSA BEACH FLORIDA:

Santa Rosa Beach is an unincorporated community in Walton County, Florida. It belongs to the Fort Walton Beach-Crestview-Destin, Florida Metropolitan Statistical Area.

SANTA ROSA BEACH FLORIDA FHA APPRIASERS:

The following list of Santa Rosa Beach 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 Santa Rosa Beach Florida.

Name

License/
Expiration Date

Address

JEFFREY S BARFIELD

FLRD5085               
(Certified Residential) 
11-30-2016

SURFSIDE APPRAISALS, INC
174 WATERCOLOR WAY,STE103,#285
SANTA ROSA BEACH,  FL  324590000

ROBERT D MIMS IV

FLRD5668               
(Certified Residential) 
11-30-2016

30-A APPRAISAL GROUP, INC.
P. O. BOX 2447
SANTA ROSA BEACH,  FL  324590000

ANNA M FISH

FLRD6357               
(Certified Residential) 
11-30-2016

505 E SHIPWRECK ROAD
SANTA ROSA BEACH,  FL  324590000

KAREN O MURPHY

FLRD7612               
(Certified Residential) 
11-30-2016

DS MURPHY & ASSOCIATES
188 FOREST PARK DRIVE
SANTA ROSA BEACH,  FL  324590000

ANDREW K SKINNER

FLRZ3502               
(Certified General) 
11-30-2016

146 TRADEWINDS DRIVE
SANTA ROSA BEACH,  FL  324590000

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Santa Rosa Beach FHA MORTGAGE  / Santa Rosa Beach VA / Santa Rosa Beach Santa Rosa Beach FHA REFINANCE / Santa Rosa Beach NO CREDIT / Santa Rosa Beach BAD CREDIT / Santa Rosa Beach HARD MONEY / Santa Rosa Beach LOAN INFO / Altamonte SpringsHA INFO / FHA LOAN  LIMITS

About the City of Santa Rosa Beach

Santa Rosa Beach is located on the Emerald Coast, between Laguna Beach and Destin. It lies north of U.S. Route 98, on the southern shores of the Choctawhatchee Bay, more precisely on Hogtown Bayou.
Although not incorporated, the community has a specific zip code, 32459, which also includes the closest communities: to the east Point Washington, to the southeast Grayton Beach andSeaside, and to the west Miramar Beach.
Overall, this zip code covers a land area of 65 square miles (plus 0.82 square miles of water area) for a population of 11,457 (4,831 households) according to the 2010 census.[

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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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