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


HOMESTEAD 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

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

• Homestead 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.

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

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

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

 

HOMES FOR SALE IN HOMESTEAD FLORIDA
HOMESTEAD FLORIDA FHA APPROVED CITY DATA

HOMESTEAD FLORIDA:

Homestead is a city within Miami-Dade County in the U.S. state of Florida. Homestead is primarily a Miami suburb and a major agricultural area. Homestead was incorporated in 1913 and is the second oldest city in Miami-Dade County next to the city of Miami. The population was 60,512 at the 2010 census.

HOMESTEAD FLORIDA FHA CITY DATA:

Males: 31,480 (49.1%)
Females: 32,599 (50.9%)
Median resident age: 29.1 years
Florida median age: 40.3 years
Zip codes: 33030, 33033.
Estimated median household income in 2012: $37,395 (it was $26,775 in 2000)
Homestead: $37,395
FL: $45,040
Estimated per capita income in 2012: $16,833 (it was $11,357 in 2000)

Estimated median house or condo value in 2012: $116,269 (it was $80,300 in 2000)
Homestead: $116,269
FL: $148,200
Mean prices in 2011: All housing units: $187,304; Detached houses: $223,379; Townhouses or other attached units: $165,692; In 2-unit structures: $133,485; In 3-to-4-unit structures: $88,901; In 5-or-more-unit structures: $119,100; Mobile homes: $70,242
Median gross rent in 2012: $1,021.

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

About the City of Homestead

According to the United States Census Bureau, the city has a total area of 14.4 square miles (37 km2). 14.3 square miles (37 km2) of it is land and 0.1 square miles (0.26 km2) of it (0.63%) is water.
As of 2010, there were 23,419 households out of which 18.9% were vacant. As of 2000, 42.7% had children under the age of 18 living with them, 40.0% were married couples living together, 22.4% had a female householder with no husband present, and 29.1% were non-families. 20.9% of all households were made up of individuals and 6.9% had someone living alone who was 65 years of age or older. The average household size was 3.10 and the average family size was 3.54.
The principal roadways linking Homestead with the rest of Miami-Dade County are US 1, the Florida Turnpike and State Road 997. The Florida Turnpike has three exits (6, 5 and 2) as it runs south through eastern Homestead before eventually terminating at US 1 in Florida City. US 1 (Homestead Blvd.) runs northeast-to-southwest roughly through the middle of the city, and is the only way to continue to the Florida Keys. State Road 997 (Krome Ave.) runs north-south through the western end of Homestead and through the historic downtown district.

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CREDIT REQUIREMENTS

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PORTFOLIO MORTGAGE

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VA MORTGAGE

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580 MIN FICO SCORE 

FANNIE MAE.

620 MIN FICO SCORE 

FREDDIE MAC

620 MIN FICO SCORE 

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