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


NEPTUNE 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 

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

• Neptune 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.

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

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

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

 

HOMES FOR SALE IN NEPTUNE BEACH FLORIDA
NEPTUNE BEACH FLORIDA FHA APPROVED APPRIASERS LIST

NEPTUNE BEACH FLORIDA:

Neptune Beach is a beachfront city east of Jacksonville in Duval County, Florida, United States. The population was 7,037 at the 2010 census. Neptune Beach is part of the Jacksonville Beaches community.

NEPTUNE BEACH FLORIDA FHA APPRIASERS:

The following list of Neptune 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 Neptune Beach Florida.

Name

License/
Expiration Date

Address

ROBERT P MILLS

FLRD368                
(Certified Residential) 
11-30-2016

R. PATRICK MILLS, SRA
1108 SEAWOOD DR.
NEPTUNE BEACH,  FL  322660000

ARTHUR R PORCELLI III

FLRD5293               
(Certified Residential) 
11-30-2016

PORCELLI APPRAISALS INC
200 FIRST STREET
NEPTUNE BEACH,  FL  322660000

MARK D ELLIS

FLRD6128               
(Certified Residential) 
11-30-2016

ELLIS & ASSOCIATES APPRASIALS
528 SEAGATE AVE
NEPTUNE BEACH,  FL  322660000

TERRY V LARSON

FLRD7436               
(Certified Residential) 
11-30-2016

A-1 EXPRESS APPRAISAL SERVICES
511 OLEANDER ST
NEPTUNE BEACH,  FL  322660000

MICHAEL J DAMATO

FLRD7641               
(Certified Residential) 
11-30-2016

HABU APPRAISAL SERVICES
1802 TWELVE OAKS LN N
NEPTUNE BEACH,  FL  322660000

CURTIS E FIELDSON

FLRD7778               
(Certified Residential) 
11-30-2016

1108 1ST STREET
NEPTUNE BEACH,  FL  322660000

CARL E MOODY

FLRZ1417               
(Certified General) 
11-30-2016

2022 MARYE BRANT LOOP S
NEPTUNE BEACH,  FL  322660000

CURTIS E FIELDSON

IL556.000333           
(Certified Residential) 
09-30-2015

1108 1ST STREET
NEPTUNE BEACH,  FL  322660000

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

About the City of Neptune Beach

Neptune Beach was originally part of Jacksonville Beach. Through its development, the part of Jacksonville Beach north of 20th Avenue North was sparsely populated, with a brick road (First Street) connecting the more populated southern area with Atlantic Beach. According to the best accepted story, the name "Neptune Beach" originated in 1922 with Dan G. Wheeler, one of the few residents. Wheeler had a home at what is now One Ocean Hotel (now in Atlantic Beach), and had to walk all the way home from Mayport each evening after taking the Florida East Coast Railway train home from work in Jacksonville
According to the United States Census Bureau, Neptune Beach has a total area of 6.8 square miles (17.7 km2). 2.3 square miles (6.0 km2) of it is land and 4.5 square miles (11.7 km2) of it (65.96%) is water.
There were 3,282 households out of which 24.2% had children under the age of 18 living with them, 44.9% weremarried couples living together, 8.2% had a female householder with no husband present, and 43.4% were non-families. 31.3% of all households were made up of individuals and 7.7% had someone living alone who was 65 years of age or older. The average household size was 2.22 and the average family size was 2.85.

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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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