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Florida-Mortgage-Lenders.com is a leading Fort Walton Beach Florida FHA Mortgage Company. All situations welcome.
What is an Florida FHA Mortgage? FHA mortgages have been helping Fort Walton Beach Florida people become homeowners since 1934. Fort Walton 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 Fort Walton Beach Florida mortgage lenders can offer easier loan qualifying and lower down payment FHA mortgage options.


FORT WALTON 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 

FORT WALTON BEACH FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:

• Fort Walton 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.

FORT WALTON BEACH FLORIDA FHA MORTGAGE LOANS ARE EASY TO QUALIFY FOR BECAUSE YOU CAN:

• Purchase a Fort Walton Beach Florida home 12 months after a chapter 13 Bankruptcy
• Purchase a Fort Walton 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.
• Fort Walton 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.

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

 

HOMES FOR SALE IN FORT WALTON BEACH FLORIDA
FORT WALTON BEACH FLORIDA FHA APPROVED APPRIASERS LIST

FORT WALTON BEACH FLORIDA:

 

Fort Walton Beach is a city in southern Okaloosa County, Florida, United States. As of 2010, the population estimate for Fort Walton Beach was 19,507 recorded by the U.S. Census Bureau. It is a principal city of the Fort Walton Beach−Crestview−Destin Metropolitan Statistical Area.

FORT WALTON BEACH FLORIDA FHA APPRIASERS:

The following list of Fort Walton 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 Fort Walton Beach Florida.

Name

License/
Expiration Date

Address

JAMES M JACKSON

ALG00824               
(Certified General) 
09-30-2015

MADISON LAINE ASSOCIATES, INC
P.O. BOX 73
FORT WALTON BEACH,  FL  325490000

CECIL F MARSH III

FLRD1760               
(Certified Residential) 
11-30-2016

MARSH APPRAISAL CORP
80 MIRACLE STRIP PKWY S.E. #2
FORT WALTON BEACH,  FL  325480000

JAMES R GARRETT

FLRD2741               
(Certified Residential) 
11-30-2016

RESIDENTIAL APPRAISAL SERVICES
50 BAY DRIVE NE
FORT WALTON BEACH,  FL  325480000

DEBRA L OBERT

FLRD2765               
(Certified Residential) 
11-30-2016

FIRST APPRAISAL
15 N. EGLIN PARKWAY
FORT WALTON BEACH,  FL  325480000

KRISTA F JACKSON

FLRD2841               
(Certified Residential) 
11-30-2016

APPRAISAL SERVICES INC.
P.O. BOX 4294
FORT WALTON BEACH,  FL  325490000

WILLIAM S FOSTER

FLRD4054               
(Certified Residential) 
11-30-2016

APPRAISAL SERVICES
P.O. BOX 4294
FORT WALTON BEACH,  FL  325490000

VERNON F COMBS

FLRD5458               
(Certified Residential) 
11-30-2016

V. FRANK COMBS
P.O. BOX 309
FORT WALTON BEACH,  FL  325490000

ANDREW W MOORE

FLRD6026               
(Certified Residential) 
11-30-2016

PANHANDLE APPRAISAL GROUP
8 WEDGEWOOD LANE
FORT WALTON BEACH,  FL  325470000

TIMOTHY ALLAIRE

FLRD6336               
(Certified Residential) 
11-30-2016

714 OVERBROOK DRIVE
FORT WALTON BEACH,  FL  325470000

STACY L FRETINA

FLRD6606               
(Certified Residential) 
11-30-2016

SAND DOLLAR APPRAISERS
142 PATRICK DRIVE, SUITE B
FORT WALTON BEACH,  FL  325470000

ROGER A MARSH

FLRD6779               
(Certified Residential) 
11-30-2016

MARSH APPRAISAL CORP
80 MIRACLE STRIP PKWY SE
FORT WALTON BEACH,  FL  325480000

DANIEL J MILLER

FLRD6948               
(Certified Residential) 
11-30-2016

MILLER APPRAISAL SERVICE
726 EGLIN PARKWAY NE D2
FORT WALTON BEACH,  FL  325470000

JENNIFER A BROWN

FLRD7417               
(Certified Residential) 
11-30-2016

MARSH APPRAISAL CORP
80 MIRACLE STRIP PARKWAY
FORT WALTON BEACH,  FL  325480000

TERRI L HERRINGTON

FLRD7449               
(Certified Residential) 
11-30-2016

ADVANTAGE APPRAISAL SERVICES O
134 GAIL LA RUE
FORT WALTON BEACH,  FL  325470000

SUSANNE SIMMONS

FLRD7789               
(Certified Residential) 
11-30-2016

PANHANDLE APPRAISAL GROUP, INC
220 HOSPITAL DRIVE
FORT WALTON BEACH,  FL  325480000

KAMA S MOORE

FLRD7923               
(Certified Residential) 
11-30-2016

PANHANDLE APPRAISAL GROUP, INC
220 HOSPITAL DR
FORT WALTON BEACH,  FL  325480000

ANDREW M HOLLINGTON

FLRD7953               
(Certified Residential) 
11-30-2016

ACUMEN APPRAISAL, INC
510 CHESHIRE AVE
FORT WALTON BEACH,  FL  325470000

DEBORAH L ROBERTS

FLRD835                
(Certified Residential) 
11-30-2016

APPRAISAL SERVICES INC
P. O. BOX 4294
FORT WALTON BEACH,  FL  325490000

LYNCOYA M DAY

FLRD931                
(Certified Residential) 
11-30-2016

2 DAVID ST SUITE G
FORT WALTON BEACH,  FL  325470000

JAMES M JACKSON

FLRZ2915               
(Certified General) 
11-30-2016

MADISON LAINE ASSOCIATES, INC
P.O. BOX 73
FORT WALTON BEACH,  FL  325490000

PAUL J HOLZSCHUH

FLRZ3342               
(Certified General) 
11-30-2016

113 RAINBOW DRIVE
FORT WALTON BEACH,  FL  325480000

CHRISTOPHER L TRUM

FLRZ3485               
(Certified General) 
11-30-2016

CHRISTOPHER TRUM, APPRAISER
304 VAUGHAN STREET
FORT WALTON BEACH,  FL  325480000

RONALD L ALLAIRE

FLRZ592                
(Certified General) 
11-30-2016

APPRAISAL HOUSE
38 MIRACLE STRIP PARKWAY #2
FORT WALTON BEACH,  FL  325480000

EDMOND R SHAW

FLRZ690                
(Certified General) 
11-30-2016

APPRAISAL CORP OF THE STH INC
2G DAVID STREET
FORT WALTON BEACH,  FL  325470000

ROBY A BEAL JR

FLRZ774                
(Certified General) 
11-30-2016

2 DAVID STREET SUITE G
FORT WALTON BEACH,  FL  325470000

REEDUS L HARAWAY

FLRZ980                
(Certified General) 
11-30-2016

2 DAVID ST STE G
FORT WALTON BEACH,  FL  325470000

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About the City of Fort Walton Beach

Prehistoric settlement of Fort Walton Beach is attributed to the mound building "Fort Walton Culture" that flourished from approximately 1100~1550 AD. It is believed that this culture evolved out of the Weeden Island culture. Fort also appeared to come about due to contact with the major Mississippian centers to the north and west. It was the most complex in the north-west Florida region. The Fort Walton peoples put into practice mound building and intensive agriculture, made pottery in a variety of vessel shapes, and had hierarchical settlement patterns that reflected other Mississippian societies.
According to the United States Census Bureau, the city has a total area of 21.3 km2 (8.2 sq mi). 19.3 km2 (7.5 sq mi) of it is land and 2 km2(0.77 sq mi), or 9.26%, is water.
There were 8,162 households, of which 26% had children under the age of 18 living with them, 47.3% were married couples living together, 12.6% had a female householder with no husband present, and 35.9% were non-families. 28.5% of all households were made up of individuals, and 9.6% had someone living alone who was aged 65 or older. The average household size was 2.33, and the average family size was 2.36

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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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