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


SURFSIDE 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 

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

• Surfside 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.

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

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

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

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

SURFSIDE FLORIDA:

Surfside is a town in Miami-Dade County, Florida, United States. As of 2010, the population recorded by the U.S. Census Bureau is 5,744.

SURFSIDE FLORIDA FHA APPRIASERS:

The following list of Surfside 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 Surfside Florida.

Name

License/
Expiration Date

Address

VINCENT J OLIVETTI

SC1364                 
(Certified General) 
06-30-2016

VALUATION SERVICES OF SC, INC.
P.O. BOX 15241
SURFSIDE BEACH,  SC  295870000

THOMAS G MCMEEKIN

SC151                  
(Certified Residential) 
06-30-2016

MCMEEKIN APPRAISAL SERVICES
1506 AZALEA DR. STE. 602
SURFSIDE BEACH,  SC  295750000

BRENDA H KENNERLY

SC2216                 
(Certified Residential) 
06-30-2016

ALPHA-OMEGA APPRAISAL SERVICE
PMB 130 1413 HWY 17 SOUTH
SURFSIDE BEACH,  SC  295750000

STEPHEN K ELIASON

SC2815                 
(Certified Residential) 
06-30-2016

CAROLINA APPRAISAL SERVICES
PO BOX 15309
SURFSIDE BEACH,  SC  295870000

GAIL P SILBIGER

SC2938                 
(Certified Residential) 
06-30-2016

PO BOX 16396
SURFSIDE BEACH,  SC  295870000

CHRISTIAN J FUSE III

SC357                  
(Certified General) 
06-30-2016

GRAND STRAND APPRAISERS, INC
POST OFFICE BX 14637
SURFSIDE BEACH,  SC  295870000

RHONDA C FLOYD

SC4282                 
(Certified Residential) 
06-30-2016

B&B APPRAISAL SERVICE
P.O. BOX 15533
SURFSIDE BEACH,  CA  295870000

LISA M DALTON

SC4870                 
(Certified Residential) 
06-30-2016

BEACH APPRAISALS
PO BOX 16396
SURFSIDE BEACH,  SC  295870000

WILLIAM S CLOER

SC5811                 
(Certified General) 
06-30-2016

LONG BAY APPRAISAL SERVICE LLC
PO BOX 14697
SURFSIDE BEACH,  SC  295870000

KENNETH A BRIERE

SC943                  
(Certified Residential) 
06-30-2016

KEN BRIERE APPRAISALS
619 6TH AVENUE NORTH
SURFSIDE BEACH,  SC  295750000

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

About the City of Surfside

According to the United States Census Bureau, the town has a total area of 2.5 km2(1.0 sq mi). 1.3 km2 (0.5 sq mi) of it is land and 1.2 km2 (0.5 sq mi) of it (47.42%) is water.
As of 2010, there were 3,890 households out of which 32.9% were vacant. In 2000, 20.5% had children under the age of 18 living with them, 46.6% were married couples living together, 9.6% had a female householder with no husband present, and 40.8% were non-families. 32.9% of all households were made up of individuals and 15.1% had someone living alone who was 65 years of age or older. The average household size was 2.18 and the average family size was 2.75
In 2000, the median income for a household in the town was $50,927, and the median income for a family was $56,327. Males had a median income of $47,147 versus $39,181 for females. The per capita income for the town was $38,375. About 6.7% of families and 11.5% of the population were below the poverty line, including 19.4% of those under age 18 and 7.9% of those age 65 or over.

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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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954-667-9110

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"Thomas went above and beyond to get our mortgage approved. We had a couple of "hiccups" with our VA financing and Thomas was able to get them resolved ... more "
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"Thomas martin was a great help with our mortgage . it was a stressful time in our life , but Thomas remained calm through out the whole process which ... more "
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