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


ST. JOHNS 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 

ST. JOHNS FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:

• St. Johns 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.

ST. JOHNS FLORIDA FHA MORTGAGE LOANS ARE EASY TO QUALIFY FOR BECAUSE YOU CAN:

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

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

HOMES FOR SALE IN ST. JOHNS FLORIDA
ST. JOHNS FLORIDA FHA APPROVED APPRIASERS LIST

ST. JOHNS FLORIDA:

St. Johns is an unincorporated community in northwest St. Johns County, Florida, United States and a suburb of Jacksonville. The population as of the 2000 census was 18,063, though considerable growth has occurred in the past ten years. It is located in the Greater Jacksonville Metropolitan area. St. Johns is made up of the entire 32259 ZIP code, including the communities of Fruit Cove, Switzerland and Julington Creek. This ZIP code claimed a population of 36,917 at the 2010 census, for a land area of 57.66 square miles.

ST. JOHNS FLORIDA FHA APPRIASERS:

The following list of St. Johns 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 St. Johns Florida.

Name

License/
Expiration Date

Address

MARK A SCHOFIELD

FLRD2142               
(Certified Residential) 
11-30-2016

SCHOFIELD APPRAISAL SERVICES
450-106 STATE ROAD 13N, #211
ST. JOHNS,  FL  322590000

GERALD L WILKES JR

FLRD2422               
(Certified Residential) 
11-30-2016

WILKES APPRAISERS, INC.
217 NORTH CHECKERBERRY WAY
ST. JOHNS,  FL  322590000

KRISTINA MCKEEVER

FLRD4297               
(Certified Residential) 
11-30-2016

132 LEESE DR
ST. JOHNS,  FL  322590000

JOSEPH P CHIAPPUTO

FLRZ2733               
(Certified General) 
11-30-2016

605 RACOON CT
ST. JOHNS,  FL  322590000

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St. Johns FHA MORTGAGE  / St. Johns VA / St. Johns St. Johns FHA REFINANCE / St. Johns NO CREDIT / St. Johns BAD CREDIT / St. Johns HARD MONEY / St. Johns LOAN INFO / Altamonte SpringsHA INFO / FHA LOAN  LIMITS

About the City of St. Johns

The area used to be known as Jacksonville, despite the fact that it is located in St. Johns County. Residents picked the new name from a list of five proposals in a 2005 United States Postal Service poll. The other choices were: River Cove, St. Johns Cove, River Oaks and Bartram.
Several area activists and other residents, specifically those in the historic communities of Fruit Cove and Switzerland, argued against any new name. However, the chamber council's "Anything but Jacksonville" effort cleared the way for St. Johns' adoption by U.S.P.S. computers.
Jacksonville, Fruit Cove, Switzerland and Sampson are still acceptable names for 32259, according to the postal service, but Saint Johns is the top or default name in post office databases. The USPS recommends not abbreviating the name as St. and to use the full name.

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FHA MORTGAGE

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580 MIN FICO SCORE 

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620 MIN FICO SCORE 

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