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


NEW SMYRNA 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 

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

• New Smyrna 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.

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

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

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

 

HOMES FOR SALE IN NEW SMYRNA BEACH FLORIDA
NEW SMYRNA BEACH FLORIDA FHA APPROVED APPRIASERS LIST

NEW SMYRNA BEACH FLORIDA:

New Smyrna Beach is a city in Volusia County, Florida, United States, located on the central east coast of the state, with the Atlantic Ocean to the east. Its population was estimated to be 23,230 in 2013 by the United States Census Bureau.

NEW SMYRNA BEACH FLORIDA FHA APPRIASERS:

The following list of New Smyrna 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 New Smyrna Beach Florida.

Name

License/
Expiration Date

Address

CHAD T CARLTON

FLRD1463               
(Certified Residential) 
11-30-2016

CARLTON APPRAISALS INC
P.O. BOX 356
NEW SMYRNA BEACH,  FL  321700356

DONNIE J WILLIAMS

FLRD2467               
(Certified Residential) 
11-30-2016

2705 S ATLANTIC AVENUE
NEW SMYRNA BEACH,  FL  321693423

KENNETH MC CALL

FLRD47                 
(Certified Residential) 
11-30-2016

PO BOX 687
NEW SMYRNA BEACH,  FL  321700000

JEFFERY C CONKEL

FLRD478                
(Certified Residential) 
11-30-2016

JEFFREY CONKEL
78 CEDAR DUNES DRIVE
NEW SMYRNA BEACH,  FL  321690000

ROBERT J SULLIVAN

FLRD7035               
(Certified Residential) 
11-30-2016

VOLUSIA APPRAISAL ASSOCIATES
824 GARFISH AVE
NEW SMYRNA BEACH,  FL  321690000

MICHELLE M MILLIGAN

FLRD7061               
(Certified Residential) 
11-30-2016

SE VOLUSIA CORPORATION
18 SAND DUNE DR
NEW SMYRNA BEACH,  FL  321690000

BARBARA L BILLINGS

FLRD7944               
(Certified Residential) 
11-30-2016

BILLINGS APPRAISAL SERVICE
84 LAKE FAIRGREEN CIRCLE
NEW SMYRNA BEACH,  FL  321680000

BRADLEY S BENNETT

FLRD7973               
(Certified Residential) 
11-30-2016

BENNETT APPRAISALS
1413 SOUTHARD AVE
NEW SMYRNA BEACH,  FL  321690000

WYNETTE H STOTZ

FLRZ399                
(Certified General) 
11-30-2016

P. O. BOX 703223
NEW SMYRNA BEACH,  FL  321700000

BARBARA L BILLINGS

OH383474               
(Certified Residential) 
11-26-2015

BILLINGS APPRAISAL SERVICE
84 LAKE FAIRGREEN CIRCLE
NEW SMYRNA BEACH,  FL  321680000

BRADLEY S BENNETT

ORCR00516              
(Certified Residential) 
06-30-2016

BENNETT APPRAISALS
1413 SOUTHARD AVE
NEW SMYRNA BEACH,  FL  321690000

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About the City of New Smyrna Beach

The area was first settled by Europeans in 1768, when Scottish physician Dr. Andrew Turnbull, a friend of James Grant, the governor of East Florida, established the colony of New Smyrna. No one had previously attempted to settle so many people at one time in a town in North America.
New Smyrna Beach's motto is cygnus inter anates, which is Latin for "a swan among ducks. The city is located in the so-called "Fun Coast" region of the state of Florida, a regional term created by the Daytona Beach/Halifax area Chamber of Commerce. This coincides with the local area code, 386, which spells FUN on touchtone phones. According to the United States Census Bureau, it has a total area of 37.8 square miles (98.0 km2). 34.6 square miles (89.7 km2) of it is land, and 0.31 square miles (0.8 km2) of it (8.46%) is water.
There were 11,074 households, out of which 14.8% had own children under the age of 18 living with them, 44.1% were married couples living together, 9.4% had a female householder with no husband present, and 42.9% were non-families. 35.3% of all households were made up of individuals and 18.2% had someone living alone who was 65 years of age or older. The average household size was 2.01 and the average family size was 2.54.

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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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