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


YOUNGSTOWN FLORIDA FHA MORTGAGE ADVANTAGES

fha_mortgage_fha_loan_florida.jpg

FHA Loans for Buying a Florida Home or FHA Refinance Mortgages 

1STARTNOW

 www.Florida-Mortgage-Lenders.com 

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

• Youngstown 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.

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

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

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

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

YOUNGSTOWN FLORIDA:

Youngstown is an unincorporated community in Bay County, Florida, United States. It was the site of an unsolved deadly train derailment in 1978.

YOUNGSTOWN FLORIDA FHA APPRIASERS:

The following list of Youngstown 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 Youngstown Florida.

Name

License/
Expiration Date

Address

ELAINE M KROEHLE

OH2007004502           
(Certified Residential) 
11-19-2015

INDEPENDENT APPRAISALS
127 CHURCHILL ROAD
YOUNGSTOWN,  OH  445050000

JOHN WOODS JR

OH2007004847           
(Certified Residential) 
09-26-2015

JOHN WOODS JR. & ASSOCIATES
310 CHURCHILL RD STE F
YOUNGSTOWN,  OH  445050000

JAMES P CASEY

OH2008001148           
(Certified Residential) 
07-09-2015

FIRST PLACE BANK
3900 MARKET STREET
YOUNGSTOWN,  OH  445120000

ROBERT R FUZY

OH2008003356           
(Certified Residential) 
04-08-2016

A PLUS APPRAISALA
3342 S MERIDIAN ROAD
YOUNGSTOWN,  OH  445110000

JOSEPH PETRICH

OH2008003743           
(Certified Residential) 
11-13-2015

50 SOUTH SHORE DRIVE
YOUNGSTOWN,  OH  445120000

THOMAS F PUNCEKAR

OH2008004170           
(Certified Residential) 
01-04-2016

GREGORY VANTELL & ASSOCIATES
725 BOARDMAN-CANFIELD RD, K-3
YOUNGSTOWN,  OH  445120000

PATRICK J HUGHES

OH2009003074           
(Certified Residential) 
03-17-2016

HUGHES APPRAISAL
986 TRUESDALE RD
YOUNGSTOWN,  OH  445110000

D R DETWILER

OH2009003324           
(Certified Residential) 
10-19-2015

D. RICHARD DETWILER & ASSOCS
PO BOX 9662
YOUNGSTOWN,  OH  445130000

MICHAEL J ABRAHAMSON

OH2009003948           
(Certified Residential) 
11-25-2015

MJA & ASSOC APPRAISAL SERVICES
2026 BRANDON AVE. 1ST FL UNIT1
YOUNGSTOWN,  OH  445140000

MARIE A HOUSTON

OH2010003674           
(Certified Residential) 
09-13-2015

HOUSTON APPRAISALS LLC
5778 YOUNGSTOWN POLAND ROAD
YOUNGSTOWN,  OH  445140000

JOHN M PAVENTI

OH2012001672           
(Certified General) 
03-27-2016

A-PLUS APPRAISALS, LLC
3342 S. MERIDIAN ROAD
YOUNGSTOWN,  OH  445110000

THOMAS J ROBERTS

OH381370               
(Certified General) 
08-07-2015

6085 LOCKWOOD BLVD
YOUNGSTOWN,  OH  445120000

MYRON J DOBKOWSKI

OH381897               
(Certified General) 
09-05-2015

HOME SAVINGS AND LOAN COMPANY
275 WEST FEDERAL ST.
YOUNGSTOWN,  OH  445030000

MORRIS M LEVY

OH383094               
(Certified Residential) 
10-17-2015

127 CHURCHILL HUBBARD RD STEB
YOUNGSTOWN,  OH  445050000

THOMAS G DAMICO

OH407653               
(Certified General) 
08-15-2015

4319 MARKET STREET
YOUNGSTOWN,  OH  445120000

RICHARD P HILL

OH431458               
(Certified General) 
12-10-2015

R P HILL COMPANY LLC
2683 SPRING MEADOW CIRCLE
YOUNGSTOWN,  OH  445120000

MYRON J DOBKOWSKI

PAGA001801R            
(Certified General) 
06-30-2017

HOME SAVINGS AND LOAN COMPANY
275 WEST FEDERAL ST.
YOUNGSTOWN,  OH  445030000

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About the City of Youngstown

It is part of the Panama City–Lynn Haven–Panama City Beach Metropolitan Statistical Area. The main road through Youngstown is US 231, which is the eastern terminus of County Road 388.

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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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