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


WINTER GARDEN 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 

WINTER GARDEN FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:

• Winter Garden 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.

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

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

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

 

HOMES FOR SALE IN WINTER GARDEN FLORIDA
WINTER GARDEN FLORIDA FHA APPROVED APPRIASERS LIST

WINTER GARDEN FLORIDA:

Winter Garden is a city located 14 miles (23 km) west of downtown Orlando in western Orange County, Florida, United States. It is part of the Orlando–Kissimmee–Sanford, Florida Metropolitan Statistical Area. Winter Garden's population as of the 2010 census was 34,568.

WINTER GARDEN FLORIDA FHA APPRIASERS:

The following list of Winter Garden 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 Winter Garden Florida.

Name

License/
Expiration Date

Address

JEFFREY A DAMMES

FLRD3653               
(Certified Residential) 
11-30-2016

13511 DANIELS LANDING CIR
WINTER GARDEN,  FL  347870000

ROGER L CREWS

FLRD3988               
(Certified Residential) 
11-30-2016

FLORIDA APPRAISAL SERVICES
844 SANTEE TERRE LANE
WINTER GARDEN,  FL  347870000

BARRY J GLADYS

FLRD5531               
(Certified Residential) 
11-30-2016

13752 FOX GLOVE ST
WINTER GARDEN,  FL  347870000

DOUG G DIXON

FLRD6570               
(Certified Residential) 
11-30-2016

ARC APPRAISAL GROUP, LLC.
13750 W. COLONIAL DR. #350-130
WINTER GARDEN,  FL  347870000

ANN-MARIE DALEY

FLRD6814               
(Certified Residential) 
11-30-2016

1124 COPENHAGEN WAY
WINTER GARDEN,  FL  347870000

DAVID B HERRING

FLRZ3500               
(Certified General) 
11-30-2016

HERRING APPRAISAL CO.
P.O. BOX 770128
WINTER GARDEN,  FL  347770000

DAVID B HERRING

KY2640                 
(Certified General) 
06-30-2015

HERRING APPRAISAL CO.
P.O. BOX 770128
WINTER GARDEN,  FL  347770000

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About the City of Winter Garden

According to the United States Census Bureau, the city has a total area of 15.6 square miles (40.4 km2), of which 15.4 square miles (39.9 km2) is land and 0.19 square miles (0.5 km2) (1.28%) is water.
The terrain is characterized by a gentle to moderately sloping topography. The lowest elevation in the city is 66 feet (20 m) near Lake Apopka. The highest elevation is 190 feet (58 m) located in the southwest corner of the city.
There were 5,380 households out of which 33.2% had children under the age of 18 living with them, 48.8% were married couples living together, 14.4% had a female householder with no husband present, and 31.9% were non-families. 25.2% of all households were made up of individuals and 9.7% had someone living alone who was 65 years of age or older. The average household size was 2.60 and the average family size was 3.11.

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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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