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


ST. CLOUD 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 

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

• St. Cloud 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. CLOUD FLORIDA FHA MORTGAGE LOANS ARE EASY TO QUALIFY FOR BECAUSE YOU CAN:

• Purchase a St. Cloud Florida home 12 months after a chapter 13 Bankruptcy
• Purchase a St. Cloud 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. Cloud 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. CLOUD 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. Cloud 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. Cloud Florida homebuyers obtained Mortgage Loans with 0% down payment and reduced loan documentation requirements. After the crash, as Fannie Mae and other St. Cloud Florida mortgage lenders retreated from these riskier loan products, FHA stepped in St. Cloud Florida FHA Home Loans became the only option for borrowers with a lowdown payment and less than perfect credit.

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

ST. CLOUD FLORIDA:

St. Cloud is a city in northern Osceola County, Florida, United States. It is located on the southern shore of East Lake Tohopekaliga in Central Florida, approximately 26 miles (41.8 km) southeast of Orlando. The city population was 35,183 in the 2010 census, and 40,918 in the 2013 census estimate. The city is part of the Orlando–Kissimmee–Sanford metropolitan area.

ST. CLOUD FLORIDA FHA APPRIASERS:

The following list of St. Cloud 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. Cloud Florida.

Name

License/
Expiration Date

Address

CANDICE A WILLIAMS

FLRD4406               
(Certified Residential) 
11-30-2016

EFFICIENT APPRAISALS
512 MARYLAND AVENUE
ST. CLOUD,  FL  347690000

DENNIS A COOPER

FLRZ280                
(Certified General) 
11-30-2016

SMITH-PARKE & CO OF CEN FLA
4117 NEPTUNE RD
ST. CLOUD,  FL  347690000

CATHY L NOVAK

MN20082900             
(Certified Residential) 
08-31-2015

FORSYTHE APPRAISALS
44 28TH AVE NORTH SUITE N
ST. CLOUD,  MN  563030000

RONALD C ZITZOW

MN4000345              
(Certified General) 
08-31-2016

GRANITE CITY APPRAISAL, LLC
PO BOX 6121
ST. CLOUD,  MN  563020000

RICHARD C BARKALOW

MN4000739              
(Certified Residential) 
08-31-2016

BARKALOW APPRAISALS
1133 23RD AVENUE NORTH
ST. CLOUD,  MN  563030000

SUSANNE L BARKALOW

MN4000740              
(Certified Residential) 
08-31-2016

BARKALOW APPRAISALS
1133 23RD AVENUE NORTH
ST. CLOUD,  MN  563030000

CHERYL L NIES

MN4000963              
(Certified Residential) 
08-31-2015

NIES APPRASIAL SERVICE
24655 COUNTY ROAD 137
ST. CLOUD,  MN  563010000

JEROME A WEBER

MN4000969              
(Certified General) 
08-31-2015

WEBER APPRAISAL SERVICE, INC
5755 COUNTY ROAD 136
ST. CLOUD,  MN  563010000

ROBERT J WEISBRICH

MN4002176              
(Certified Residential) 
08-31-2015

2743 S 24TH AVENUE
ST. CLOUD,  MN  563010000

MARY M KLEINKE

MN4002355              
(Certified Residential) 
08-31-2015

MARY KLEINKE APPRAISAL SERVICE
S
ST. CLOUD,  MN  563010000

SHERIE L DOTZLER

MN4003336              
(Certified Residential) 
08-31-2015

DOTZLER APPRAISAL SERVICE
22131 53RD AVENUE
ST. CLOUD,  MN  563010000

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About the City of St. Cloud

During the 1870s, Hamilton Disston of Philadelphia took an interest in developing the region while on fishing trips with Henry Shelton Sanford, founder of the city of Sanford. Disston contracted with the Florida Internal Improvement Fund, then in receivership, to pay $1 million to offset its Civil War and Reconstruction debt. In exchange, Disston would be awarded half the land he drained from the state's swamps. He dug canals and, in 1886-1887, established St. Cloud sugarcane plantation, named after St. Cloud, Minnesota, although many long-time locals state the town was named after Saint-Cloud, France, located fairly close to Paris.
According to the United States Census Bureau, the city has a total area of 9.2 square miles (24 km2), of which 0.11% is water.
There were 7,716 households out of which 34.0% had children under the age of 18 living with them, 52.8% were married couples living together, 12.8% had a female householder with no husband present, and 29.7% were non-families. 23.7% of all households were made up of individuals and 11.9% had someone living alone who was 65 years of age or older. The average household size was 2.55 and the average family size was 3.00.

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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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