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


ORMOND BEACH FLORIDA FHA MORTGAGE ADVANTAGES

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FHA Loans for Buying a Florida Home or FHA Refinance Mortgages 

1STARTNOW

 www.Florida-Mortgage-Lenders.com 

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

• Ormond 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.

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

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

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

 

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

ORMOND BEACH FLORIDA:

Ormond Beach is a city in Volusia County, Florida, United States. The population was 38,137 at the 2010 census. Ormond Beach is the northern neighbor of Daytona Beach and is home to Tomoka State Park.

ORMOND BEACH FLORIDA FHA APPRIASERS:

The following list of Ormond 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 Ormond Beach Florida.

Name

License/
Expiration Date

Address

GREGORY W HARMON

FLRD1293               
(Certified Residential) 
11-30-2016

P.O. BOX 244
ORMOND BEACH,  FL  321750000

ANTHONY T COWLES

FLRD198                
(Certified Residential) 
11-30-2016

800 S NOVA RD., SUITE P
ORMOND BEACH,  FL  321740000

RICHARD L PRESTON

FLRD209                
(Certified Residential) 
11-30-2016

PRESTON & ASSOCIATES, INC.
555 WEST GRANADA BLVD., #G-7
ORMOND BEACH,  FL  321740000

PAUL A RIOUX

FLRD2766               
(Certified Residential) 
11-30-2016

HALIFAX APPRAISAL
P.O. BOX 2874
ORMOND BEACH,  FL  321750000

BART A TERACINO

FLRD2829               
(Certified Residential) 
11-30-2016

ACG GROUP
PO BOX 730035
ORMOND BEACH,  FL  321730000

FARA R CANTERBERRY

FLRD3495               
(Certified Residential) 
11-30-2016

PRIMIS
521 ANDREWS STREET
ORMOND BEACH,  FL  321740000

FELICIA A CANEVA

FLRD3598               
(Certified Residential) 
11-30-2016

PRESTON & ASSOCIATES INC
555 WEST GRANADA BOULEVARD G7
ORMOND BEACH,  FL  321740000

KIMBERLY B BELL

FLRD3617               
(Certified Residential) 
11-30-2016

APPRAISALS UNLIMTED, LLC
124 N NOVA ROAD #125
ORMOND BEACH,  FL  321740000

ELIZABETH A BEAN

FLRD3623               
(Certified Residential) 
11-30-2016

ATLANTIC APPRAISAL & REAL EST
PO BOX 73119B
ORMOND BEACH,  FL  321740000

KRISTEN A MCGRATH

FLRD3965               
(Certified Residential) 
11-30-2016

HALIFAX APPRAISAL COMPANY
P.O. BOX 2874
ORMOND BEACH,  FL  321750000

ALISA G HILDITCH

FLRD4006               
(Certified Residential) 
11-30-2016

ALISA HILDITCH
1113 GEORGE ANDERSON ST
ORMOND BEACH,  FL  321740000

HENRY S TOLAND JR

FLRD566                
(Certified Residential) 
11-30-2016

COOKSEY & ASSOCIATES, INC.
1230 N. U.S. HIGHWAY 1, #28
ORMOND BEACH,  FL  321740000

MATTHEW J CIRCELLI

FLRD6256               
(Certified Residential) 
11-30-2016

WORLDWIDE APPRAISAL SERVICES
109 CHEROKEE ROAD
ORMOND BEACH,  FL  321740000

MARK F FAURE

FLRD6307               
(Certified Residential) 
11-30-2016

23 PINE VALLEY CIRCLE
ORMOND BEACH,  FL  321740000

TERESA M PLIMPTON

FLRD6537               
(Certified Residential) 
11-30-2016

118 TOMOKA MEADOWS BLVD
ORMOND BEACH,  FL  321740000

ASHLEY P LIGHTFOOT

FLRD6803               
(Certified Residential) 
11-30-2016

PRESTON & ASSOCIATES, INC
555 W. GRANADA BLVD., STE G-7
ORMOND BEACH,  FL  321740000

JAMES M O'TOOLE

FLRD6838               
(Certified Residential) 
11-30-2016

47 DEEP WOODS WAY
ORMOND BEACH,  FL  321740000

BRIAN L BEISSEL

FLRD7102               
(Certified Residential) 
11-30-2016

HALIFAX APPRAISAL
5 PETREA TERRACE
ORMOND BEACH,  FL  321740000

MICHAEL M WATSON JR

FLRD7306               
(Certified Residential) 
11-30-2016

HALIFAX APPRAISAL COMPANY
162 VINING COURT
ORMOND BEACH,  FL  321760000

ALAN H BURTON

FLRD7392               
(Certified Residential) 
11-30-2016

BURTON + PARTNERS, LLC
915 OCEAN SHORE BOULEVARD #707
ORMOND BEACH,  FL  321760000

ERIC F HOLT

FLRD7407               
(Certified Residential) 
11-30-2016

APPRAISAL ASSOC. OF MID-FL
69 S. ST. ANDREWS TERR.
ORMOND BEACH,  FL  321740000

THOMAS R SHIPMAN

FLRD7662               
(Certified Residential) 
11-30-2016

VENTURE APPRAISAL, INC.
240 S. ATLANTIC AVENUE
ORMOND BEACH,  FL  321760000

JANET E MASTERS

FLRD775                
(Certified Residential) 
11-30-2016

JAN MASTERS
12 OLD CREEK CIRCLE
ORMOND BEACH,  FL  321740000

JOHN A VERTULLO

FLRD7912               
(Certified Residential) 
11-30-2016

JAV RES. APPRAISAL SERV.
1152 KILKENNY LANE
ORMOND BEACH,  FL  321740000

JACK MOUNTEER

FLRZ2294               
(Certified General) 
11-30-2016

7 EAGLE DRIVE
ORMOND BEACH,  FL  321740000

T. J COOKSEY

FLRZ343                
(Certified General) 
11-30-2016

MASSIE, COOKSEY & ASSOC., INC
8 FERNWOOD TRAIL
ORMOND BEACH,  FL  321740000

MARTIN G JACKSON

FLRZ3442               
(Certified General) 
11-30-2016

JACKSON & ASSOCIATES, LLC
78 HIGHLAND AVE.
ORMOND BEACH,  FL  321740000

JOHN A VERTULLO

GACR337756             
(Certified Residential) 
05-31-2015

JAV RES. APPRAISAL SERV.
1152 KILKENNY LANE
ORMOND BEACH,  FL  321740000

JOHN A VERTULLO

NY45000046003          
(Certified Residential) 
03-14-2016

JAV RES. APPRAISAL SERV.
1152 KILKENNY LANE
ORMOND BEACH,  FL  321740000

Search criteria:

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State: FL
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City: Ormond Beach
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Ormond Beach FHA MORTGAGE  / Ormond Beach VA / Ormond Beach Ormond Beach FHA REFINANCE / Ormond Beach NO CREDIT / Ormond Beach BAD CREDIT / Ormond Beach HARD MONEY / Ormond Beach LOAN INFO / Altamonte SpringsHA INFO / FHA LOAN  LIMITS

About the City of Ormond Beach

Ormond Beach was once within the domain of theTimucuan Indians. Ormond Beach was frequented by Timacuan Indians but never truly inhabited until 1643 when Quakers blown off course to the New England area ran ashore. They settled in a small encampment along the Atlantic Shore. Early relations with neighboring tribes were fruitful; however, in 1704 a local Timacuan chief, Oseanoha, led a raid of the encampment killing most of the population. In 1708 Spaniards inhabited the area and laid claim until British control
According to the United States Census Bureau, the city has a total area of 39.0 square miles (101.0 km2). 31.9 square miles (82.7 km2) of it is land, and 7.1 square miles (18.3 km2) of it (18.12%) is water. Drained by the Tomoka River, Ormond Beach is located on the Halifax Riverlagoon and the Atlantic Ocean.
There were 15,629 households out of which 23.5% had children under the age of 18 living with them, 55.7% were married couples living together, 8.8% had a female householder with no husband present, and 32.6% were non-families. 27.1% of all households were made up of individuals and 15.3% had someone living alone who was 65 years of age or older. The average household size was 2.27 and the average family size was 2.75.

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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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