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


TREASURE ISLAND 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 

TREASURE ISLAND FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:

• Treasure Island 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.

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

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

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

 

HOMES FOR SALE IN TREASURE ISLAND FLORIDA
TREASURE ISLAND FLORIDA FHA APPROVED APPRIASERS LIST

TREASURE ISLAND FLORIDA:

Treasure Island is a city in Pinellas County, Florida, in the United States. It is situated on Abarrier Island in the Gulf of Mexico. As of the 2010 census, the city population was 6,705.

TREASURE ISLAND FLORIDA FHA APPRIASERS:

The following list of Treasure Island 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 Treasure Island Florida.

Name

License/
Expiration Date

Address

THOMAS H COATES

FLRD5671               
(Certified Residential) 
11-30-2016

10135 YACHT CLUB DR.
TREASURE ISLAND,  FL  337060000

CHRISTOPHER R PARADIS

FLRD6867               
(Certified Residential) 
11-30-2016

145 116TH AVE UNITE #4
TREASURE ISLAND,  FL  337060000

LINDA J SAKON

FLRD7740               
(Certified Residential) 
11-30-2016

12568 CAPRI CIRCLE, N
TREASURE ISLAND,  FL  337060000

CHRISTOPHER R PARADIS

NHNHCR-871             
(Certified Residential) 
11-30-2015

145 116TH AVE UNITE #4
TREASURE ISLAND,  FL  337060000

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

About the City of Treasure Island

The area of Treasure Island was originally settled in small communities by the Tocobaga around 300 CE. The Timucua traded with other Native American tribes in the area until the arrival of Pánfilo de Narváez in 1528. De Narváez decimated the indigenous people before leaving the area in search of gold.
According to the United States Census Bureau, the city has a total area of 5.3 square miles (13.8 km²). 1.6 square miles (4.1 km²) of it is land and 3.7 square miles (9.7 km²) of it (70.11%) is water.
There were 4,128 households out of which 10.0% had children under the age of 18 living with them, 43.8% were married couples living together, 4.2% had a female householder with no husband present, and 50.1% were non-families. 41.5% of all households were made up of individuals and 14.3% had someone living alone who was 65 years of age or older. The average household size was 1.80 and the average family size was 2.38.

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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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"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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