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


NICEVILLE 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 

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

• Niceville 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.

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

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

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

 

HOMES FOR SALE IN NICEVILLE FLORIDA
NICEVILLE FLORIDA FHA APPROVED APPRIASERS LIST

NICEVILLE FLORIDA:

Niceville is a city in Okaloosa County, Florida, United States, located close to Eglin Air Force Base on Boggy Bayou that opens into Choctawhatchee Bay. In 1915, Niceville became part of newly formed Okaloosa County after previously being in Walton County. The population was 11,684 at the 2000 census. The 2010 census population for Niceville, Florida is 12,749.

NICEVILLE FLORIDA FHA APPRIASERS:

The following list of Niceville 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 Niceville Florida.

Name

License/
Expiration Date

Address

RICHARD E GIBBS

FLRD5059               
(Certified Residential) 
11-30-2016

RICHARD E. GIBBS, APPRAISER
300 YACHT CLUB DR, #17
NICEVILLE,  FL  325780000

MICAH J MALLORY

FLRD6287               
(Certified Residential) 
11-30-2016

MALLORY II ENTERPRISES, INC.
317 BISCAYNE LANE
NICEVILLE,  FL  325780000

DAVID B MCALILEY

FLRD7551               
(Certified Residential) 
11-30-2016

FIRST APPRAISAL RESOURCE, LLC.
637 CARIBBEAN WAY
NICEVILLE,  FL  325780000

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

About the City of Niceville

According to the United States Census Bureau, the city has a total area of 5,032 km² (11.3 mi²). 10.9 square miles (28 km2) of it is land and 0.4 square miles (1.0 km2) of it is water.
As of census of 2000, there were 11,684 people, 4,637 households, and 3,385 families residing in the city. The population density was 1,069.8 inhabitants per square mile (413.1/km²). There were 4,907 housing units at an average density of 449.3 per square mile (173.5/km²). The racial makeup of the city was 87.25% White, 4.58% African American, 0.74% Native American, 3.20% Asian, 0.11% Pacific Islander, 1.14% from other races, and 2.99% from two or more races. Hispanic or Latino of any race were 3.71% of the population.
There were 4,637 households out of which 31.5% had children under the age of 18 living with them, 59.3% were married couples living together, 10.0% had a female householder with no husband present, and 27.0% were non-families. 21.8% of all households were made up of individuals and 7.8% had someone living alone who was 65 years of age or older. The average household size was 2.49 and the average family size was 2.89.

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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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