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


ST. AUGUSTINE 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 

ST. AUGUSTINE FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:

• St. Augustine 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.

ST. AUGUSTINE FLORIDA FHA MORTGAGE LOANS ARE EASY TO QUALIFY FOR BECAUSE YOU CAN:

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

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

HOMES FOR SALE IN ST. AUGUSTINE FLORIDA
ST. AUGUSTINE FLORIDA FHA APPROVED APPRIASERS LIST

ST. AUGUSTINE FLORIDA:

St. Augustine is a city in northeast Florida and the oldest continuously occupied European-established settlement in the continental United States. The county seat of St. Johns County, it is part of Florida's First Coast region and the Jacksonville metropolitan area. According to the 2010 census, the city population was 12,975. The United States Census Bureau's 2013 estimate of the city's population was 13,679, while the urban area had a population of 69,173 in 2012.

ST. AUGUSTINE FLORIDA FHA APPRIASERS:

The following list of St. Augustine 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 St. Augustine Florida.

Name

License/
Expiration Date

Address

KENNETH L OLIVEIRA

FLRD2635               
(Certified Residential) 
11-30-2016

PRIORITY R.E. APPRAISERS INC.
283 CORTEZ DRIVE
ST. AUGUSTINE,  FL  320860000

GLENN B BURNETTE

FLRD2844               
(Certified Residential) 
11-30-2016

BURNETTE & ASSOCIATES
1855 CROSS POINTE WAY
ST. AUGUSTINE,  FL  320920000

JOHN V BURKHARDT

FLRD3095               
(Certified Residential) 
11-30-2016

BURKHARDT RES. APPR. SRV, INC.
205 PARDO WAY
ST. AUGUSTINE,  FL  320860000

DON B MCMENEMY

FLRD3455               
(Certified Residential) 
11-30-2016

DON MCMENEMY, INCORPORATED
381 VALVERDE LANE
ST. AUGUSTINE,  FL  320860000

CHAD J HICKS

FLRD3555               
(Certified Residential) 
11-30-2016

508 E STREET
ST. AUGUSTINE,  FL  320800000

DONALD L DORN

FLRZ190                
(Certified General) 
11-30-2016

DONALD L. DORN
157 SOUTH BEACH DRIVE
ST. AUGUSTINE,  FL  320840000

MARK T SMITH

FLRZ2620               
(Certified General) 
11-30-2016

SMITH APPRAISAL SERVICES
721 A1A BEACH BLVD - SUITE 9
ST. AUGUSTINE,  FL  320800000

STEVEN L SCULLEY

NCA4961                
(Certified Residential) 
06-30-2015

STEVEN SCULLEY INC
160 VILANO ROAD SUITE 7
ST. AUGUSTINE,  FL  320840000

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St. Augustine FHA MORTGAGE  / St. Augustine VA / St. Augustine St. Augustine FHA REFINANCE / St. Augustine NO CREDIT / St. Augustine BAD CREDIT / St. Augustine HARD MONEY / St. Augustine LOAN INFO / Altamonte SpringsHA INFO / FHA LOAN  LIMITS

About the City of St. Augustine

The first European known to have explored the coasts of Florida was the Spanish explorer and governor of Puerto Rico, Juan Ponce de León, who likely ventured in 1513 as far north as the vicinity of the future St. Augustine, naming the peninsula he believed to be an island "La Florida" and claiming it for the Spanish crown. Prior to the founding of St. Augustine in 1565, several earlier attempts at European colonization in what is now Florida were made by both Spain and France, but all failed.
According to the United States Census Bureau, the city has a total area of 10.7 square miles (27.8 km2), 8.4 square miles (21.7 km2) of which is land and 2.4 square miles (6.1 km2) (21.99%) is water.
There were 5,743 households out of which 14.6% had children under the age of 18 living with them, 31.7% were married couples living together, 10.9% had a female householder with no husband present, and 53.4% were non-families. 37.8% of all households were made up of individuals and 14.4% had someone living alone who was 65 years of age or older. The average household size was 2.03 and the average family size was 2.67.

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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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