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


PANAMA CITY 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 

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

• Panama City 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.

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

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

PANAMA CITY 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 Panama City 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 Panama City Beach Florida homebuyers obtained Mortgage Loans with 0% down payment and reduced loan documentation requirements. After the crash, as Fannie Mae and other Panama City Beach Florida mortgage lenders retreated from these riskier loan products, FHA stepped in Panama City Beach 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 BEACH FLORIDA
PANAMA CITY BEACH FLORIDA FHA APPROVED APPRIASERS LIST

PANAMA CITY BEACH FLORIDA:

Panama City Beach is a city in Bay County, Florida, United States, on the Gulf of Mexico coast. As of the 2010 census it had a population of 12,018. The city is often referred to under the umbrella term of "Panama City", despite being a distinct municipality from the older and larger inland Panama City to the east, making Panama City and Panama City Beach two separate cities. Panama City Beach's slogan is "The World's Most Beautiful Beaches" due to the unique sugar-white sandy beaches of northwest Florida.

PANAMA CITY BEACH FLORIDA FHA APPRIASERS:

The following list of Panama City 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 Panama City Beach Florida.

Name

License/
Expiration Date

Address

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

GERALD E MORGAN

FLRD7101               
(Certified Residential) 
11-30-2016

MORGAN APPRAISAL
268 GLADES TRL
PANAMA CITY BEACH,  FL  324080000

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

KARL WISELOGEL JR

FLRZ565                
(Certified General) 
11-30-2016

16205 E. LULLWATER DRIVE
PANAMA CITY BEACH,  FL  324130000

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Panama City Beach FHA MORTGAGE  / Panama City Beach VA / Panama City Beach Panama City Beach FHA REFINANCE / Panama City Beach NO CREDIT / Panama City Beach BAD CREDIT / Panama City Beach HARD MONEY / Panama City Beach LOAN INFO / Altamonte SpringsHA INFO / FHA LOAN  LIMITS

About the City of Panama City Beach

According to the United States Census Bureau, the city has a total area of 18.6 square miles (48.2 km2) 18.4 square miles (47.6 km2) of it is land and 0.23 square miles (0.6 km2) of it (1.17%) is water.[8] There are approximately 9 miles (14 km) of shoreline in Panama City Beach fronting the Gulf of Mexico.
As of the census of 2010, there were 12,018 people, 5,417 households, and 3,068 families residing in the city. The population density was 653.2 persons per square mile (252.5/km²). There were 17,141 housing units at an average density of 931.6 houses per square mile (360.1/km²). The racial makeup of the city was 89.5% White, 2.3% African American, 0.6%American Indian or Alaska Native, 2.7% Asian and 3.1% from two or more races. Hispanic or Latino of any race were 5.8% of the population.
There were 5,417 households, out of which 21.1% had children under the age of 18 living with them, 42.9% were headed by married couples living together, 9.2% had a female householder with no husband present, and 43.4% were non-families. 31.3% of all households were made up of individuals, and 9.5% were someone living alone who was 65 years of age or older. The average household size was 2.22, and the average family size was 2.76.

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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 

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620 MIN FICO SCORE 

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620 MIN FICO SCORE 

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