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


PANAMA CITY 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 

PANAMA CITY FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:

• Panama City 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.

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

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

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

 

HOMES FOR SALE IN PANAMA CITY FLORIDA
PANAMA CITY FLORIDA FHA APPROVED APPRIASERS LIST

PANAMA CITY FLORIDA:

Panama City is a city and the county seat of Bay County, Florida, United States. Located along U.S. Route 98, it is the largest city between Tallahassee and Pensacola. It is the more populated of two principal cities of the Panama City-Lynn Haven, Florida Metropolitan Statistical Area. As of the 2010 census, the city population was 36,484.

PANAMA CITY FLORIDA FHA APPRIASERS:

The following list of Panama City 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 Panama City Florida.

Name

License/
Expiration Date

Address

VICKI R CHANDLER

FLRD1140               
(Certified Residential) 
11-30-2016

11 W 23RD ST BLDG D
PANAMA CITY,  FL  324050000

ROBERT L POHLMAN JR

FLRD1269               
(Certified Residential) 
11-30-2016

ROBERT L. POHLMAN
2629 WEST 23RD STREET
PANAMA CITY,  FL  324050000

EUGENE H BAY JR

FLRD1464               
(Certified Residential) 
11-30-2016

CHANDLER & ASSOCIATES, INC.
011 WEST 23RD ST, SUITE D
PANAMA CITY,  FL  324050000

GEORGE F SENGEL III

FLRD1505               
(Certified Residential) 
11-30-2016

GEORGE SENGEL
1229 AIRPORT RD.
PANAMA CITY,  FL  324050000

JIM KOCHEVAR

FLRD2219               
(Certified Residential) 
11-30-2016

GILES APPRAISAL GROUP, INC
122 E 4TH STREET
PANAMA CITY,  FL  324010000

RYAN D SANDLIN

FLRD2301               
(Certified Residential) 
11-30-2016

P. O. BOX 328
PANAMA CITY,  FL  324020000

LANDS CARR

FLRD3357               
(Certified Residential) 
11-30-2016

LANDS CARR RESID.. APPR. SERV.
4530 N. LAKEWOOD DRIVE
PANAMA CITY,  FL  324040000

HEINZ W FALKE JR JR

FLRD4521               
(Certified Residential) 
11-30-2016

H.W. FALKE, INC.
P.O. BAOX 27415
PANAMA CITY,  FL  324110000

THOMAS J MILITTI

FLRD5366               
(Certified Residential) 
11-30-2016

MILITTI APPRAISAL SERVICE
905 E 2ND PLAZA
PANAMA CITY,  FL  324010000

ROSWITHA H KING

FLRD5743               
(Certified Residential) 
11-30-2016

KING APPRAISAL SERVICES
3800 PANAMA CITY BEACH PKW
PANAMA CITY BEACH,  FL  324070000

BRANT W HOLMAN

FLRD6081               
(Certified Residential) 
11-30-2016

APPRAISAL OF REAL ESTATE, INC
189 PARK PLACE
PANAMA CITY BEACH,  FL  324130000

JOHN L HENTZ

FLRD6242               
(Certified Residential) 
11-30-2016

286 FOREST PARK CIRCLE
PANAMA CITY,  FL  324050000

RHONDA J GILES

FLRD6247               
(Certified Residential) 
11-30-2016

GILES APPRAISAL GROUP, INC.
122 E 4TH ST
PANAMA CITY,  FL  324010000

WENDELL E BROWNE II

FLRD647                
(Certified Residential) 
11-30-2016

BROWNE APPRAISAL
433 HARRISON AVE POB 2548
PANAMA CITY,  FL  324020000

GERALD E MORGAN

FLRD7101               
(Certified Residential) 
11-30-2016

MORGAN APPRAISAL
268 GLADES TRL
PANAMA CITY BEACH,  FL  324080000

ARTHUR C ZEDIKER II

FLRD7330               
(Certified Residential) 
11-30-2016

915 HUNTINGDON RD
PANAMA CITY,  FL  324050000

TIMOTHY M FEENEY

FLRD939                
(Certified Residential) 
11-30-2016

TIMOTHY M. FEENEY INC.
1229 AIRPORT ROAD
PANAMA CITY,  FL  324050000

GARY P WITHAM SR

FLRZ1408               
(Certified General) 
11-30-2016

WITHAM APPRAISAL SERVICES
215 W. 11TH STREET
PANAMA CITY,  FL  324010000

MICHAEL A GUNN

FLRZ1912               
(Certified General) 
11-30-2016

A. GUNN COMPANY
P.O. BOX 18785
PANAMA CITY BEACH,  FL  324170000

ROBERT L BROOKS

FLRZ2204               
(Certified General) 
11-30-2016

P.O. BOX 9883
PANAMA CITY BEACH,  FL  324170000

CORY W WOODS

FLRZ2695               
(Certified General) 
11-30-2016

EQUILINK APPRAISAL CO.
PO BOX 16645
PANAMA CITY,  FL  324060000

AMANDA L MCDANIEL

FLRZ3503               
(Certified General) 
11-30-2016

LANDSHARK VALUATION
PO BOX 27313
PANAMA CITY,  FL  324110000

MICHAEL F MCDANIEL

FLRZ3507               
(Certified General) 
11-30-2016

LANDSHARK VALUATION LLC
PO BOX 27313
PANAMA CITY,  FL  324110000

DONALD J GILES

FLRZ356                
(Certified General) 
11-30-2016

GILES APPRAISAL GROUP, INC.
122 E 4TH ST
PANAMA CITY,  FL  324010000

KARL WISELOGEL JR

FLRZ565                
(Certified General) 
11-30-2016

16205 E. LULLWATER DRIVE
PANAMA CITY BEACH,  FL  324130000

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About the City of Panama City

As of the census of 2010, there were 36,484 people, 14,792 households, and 8,613 families residing in the city. The population density was 1,245.2 people per square mile (481.3/km2). There were 17,438 housing units at an average density of 595.2 per square mile (230.1/km2). As of the census of 2010, The average household size was 2.28, and the average family size was 2.91.
According to the United States Census Bureau, the city limits encompass an area of 35.4 square miles (91.8 km2), of which 29.3 square miles (75.8 km2) is land and 6.2 square miles (16.0 km2), or 17.39%, is water.
In the city the population was 20.7% under the age of 18, 10.2% from 18 to 24, 25.9% from 25 to 44, 26.9% from 45 to 64, and 16.3% who were 65 years of age or older. The median age was 39.7 years. For every 100 females there were 96.3 males. For every 100 females age 18 and over, there were 95.2 males.

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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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