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


COCOA 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 

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

• Cocoa 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.

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

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

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

HOMES FOR SALE IN Cocoa FLORIDA
COCOA FLORIDA FHA APPROVED APPRIASERS LIST

COCOA FLORIDA:

Cocoa is a city in Brevard County, Florida. The population was 17,140 at the 2010 United States Census. It is part of the Palm Bay–Melbourne–Titusville Metropolitan Statistical Area.

COCOA FLORIDA FHA APPRIASERS:

The following list of Cocoa 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 Cocoa Florida.

Name

License/
Expiration Date

Address

DEBORAH J HAMPTON

FLRD1667               
(Certified Residential) 
11-30-2016

P O BOX 321354
COCOA BEACH,  FL  329320000

GERRY MATHESON

FLRD2945               
(Certified Residential) 
11-30-2016

GEIGER, GEIGER & ASSOCIATES
503 N. ORLANDO AVE. PO 321354
COCOA BEACH,  FL  329320000

MARY J FEW

FLRD4089               
(Certified Residential) 
11-30-2016

LIGHTHOUSE APPRAISAL
171 NORTH ATLANTIC AVENUE #24
COCOA BEACH,  FL  329310000

BRIAN J ROVILLO

FLRD5752               
(Certified Residential) 
11-30-2016

P. O. BOX 321354
COCOA BEACH,  FL  329321354

CHARLES E O'DELL

FLRD6817               
(Certified Residential) 
11-30-2016

GEIGER, GEIGER AND ASSOCIATES
503 N. ORLANDO AVENUE
COCOA BEACH,  FL  329310000

CLARA B PULEO

FLRD7116               
(Certified Residential) 
11-30-2016

GEIGER GEIGER & ASSOCIATES
503 N. ORLANDO AVENUE #204
COCOA BEACH,  FL  329310000

MARLENE S O'DELL

FLRD980                
(Certified Residential) 
11-30-2016

GEIGER & GEIGER ASSOCIATES
P. O. BOX 321354
COCOA BEACH,  FL  329310000

WILLIAM GEIGER SR

FLRZ1056               
(Certified General) 
11-30-2016

GEIGER, GEIGER AND ASSOCIATES
P.O. BOX 321354
COCOA BEACH,  FL  329320000

WILLIAM GEIGER JR

FLRZ398                
(Certified General) 
11-30-2016

BREVARD APPRAISAL ASSOCIATES
P.O. BOX 320936
COCOA BEACH,  FL  329320000


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

 

About the City of Cocoa

Cocoa was founded by fishermen with the first families arriving around 1860. A post office was established at Magnolia Point, and the city's first commercial building was erected around 1881. First plats of the new settlement were made in 1882 under the name "Indian River City" on land owned by Captain R. A. Hardee. The name Indian River City was unacceptable to the U.S. Postal authorities who claimed it was too long for use on a postmark
According to the United States Census Bureau, the city has a total area of 15.4 square miles (39.9 km2). 13.3 square miles (34.5 km2) of it is land and 2.1 square miles (5.4 km2) of it (13.46%) is water.
As of the census of 2000, there were 16,412 people, 6,939 households, and 4,232 families residing in the city. The population density was 2,200.3 inhabitants per square mile (849.4/km2). There were 8,064 housing units at an average density of 1,081.1 per square mile (417.4/km2). The racial makeup of the city was 62.47% White, 32.28% African American, 0.63% Native American, 0.94% Asian, 0.23% Pacific Islander, 1.58% from other races, and 1.87% from two or more races. Hispanic or Latino of any race were 4.93% of the population.

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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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