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


PALATKA 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 

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

• Palatka 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.

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

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

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

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

PALATKA FLORIDA:

Palatka is a city in Putnam County, Florida, United States. The population was 10,558 at the 2010 census. It is the county seat of Putnam County. Palatka is the principal city of the Palatka Micropolitan Statistical Area, which is home to 72,893 residents.

PALATKA FLORIDA FHA APPRIASERS:

The following list of Palatka 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 Palatka Florida.

Name

License/
Expiration Date

Address

JASON B MOODY

FLRD7301               
(Certified Residential) 
11-30-2016

186 MOTES ROAD
PALATKA,  FL  321770000

RANDALL K MOTES

FLRD7431               
(Certified Residential) 
11-30-2016

RANDY MOTES APPRAISALS INC.
5259 SILVER LAKE DRIVE
PALATKA,  FL  321770000

CHRISTINE R KELLEY

FLRZ2247               
(Certified General) 
11-30-2016

ADVANCED APPRAISALS
P.O. BOX 381
PALATKA,  FL  321780000

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

About the City of Palatka

The area was once the domain of the Timucuan peoples, two tribes of which existed in the Palatka region under chiefs Saturiwa and Utina. They fished bass and mullet,or hunted deer, turkeys, bear and opossum. Others farmed beans, corn, melons, squash, andtobacco. However, infectious disease that came with European contact and war devastated the tribes, and they were extinct by the mid-18th century. The last people evacuated with the Spanish to Cuba in 1763, when Spain ceded Florida to Great Britain after the Seven Years' War.
The total area is 7.5 square miles (19 km2) and has an average elevation of 16 feet (4.8 m) above sea level. The city is located in the southern portion of the Lower St. Johns River basin.
There were 3,880 households out of which 31.5% had children under the age of 18 living with them, 34.0% were married couples living together, 24.9% had a female householder with no husband present, and 37.6% are other types of families. 32.7% of all households were made up of individuals and 16.5% had someone living alone who was 65 years of age or older. The average household size was 2.42 and the average family size was 3.10.

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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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