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


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

• Winter Haven 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 HAVEN FLORIDA FHA MORTGAGE LOANS ARE EASY TO QUALIFY FOR BECAUSE YOU CAN:

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

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

WINTER HAVEN FLORIDA:

Winter Haven is a city in Polk County, Florida, United States. The population was 33,874 at the2010 census. According to the U.S. Census Bureau's 2013 estimates, the city had a population of 35,531, making it the second most populated city in Polk County. It is a principal city of the Lakeland−Winter Haven Metropolitan Statistical Area.

WINTER HAVEN FLORIDA FHA APPRIASERS:

The following list of Winter Haven 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 Haven Florida.

Name

License/
Expiration Date

Address

RICK A REASS

FLRD3753               
(Certified Residential) 
11-30-2016

APPRAISAL GROUP
PO BOX 778
WINTER HAVEN,  FL  338820000

PATRICIA K REASS

FLRD382                
(Certified Residential) 
11-30-2016

APPRAISAL GROUP
PO BOX 778
WINTER HAVEN,  FL  338820000

STEPHEN E DEAN

FLRD5561               
(Certified Residential) 
11-30-2016

TRUEVALUE APPRAISAL SERVICES
PO BOX 2156
WINTER HAVEN,  FL  338830000

VICTOR G SIMMERS

FLRD614                
(Certified Residential) 
11-30-2016

2357 CRYSTAL BEACH RD.
WINTER HAVEN,  FL  338800000

ANGELA M CRALL

FLRD7790               
(Certified Residential) 
11-30-2016

CRALL APPRAISAL GROUP LLC
PO BOX 1214
WINTER HAVEN,  FL  338820000

J D GROOVER

FLRZ1313               
(Certified General) 
11-30-2016

GROOVER COMPANIES, INC.
4200 DUNDEE ROAD
WINTER HAVEN,  FL  338840000

LLOYD N RACE

FLRZ1519               
(Certified General) 
11-30-2016

309 MAGOLIA AVE
WINTER HAVEN,  FL  338800000

KEVIN L WILLIAMS

FLRZ2630               
(Certified General) 
11-30-2016

A.R.E.A REAL ESTATE APPRAISER
P.O. BOX 334
WINTER HAVEN,  FL  338820334

OSWALD P CARREROU

FLRZ271                
(Certified General) 
11-30-2016

AREA REAL ESTATE APPRAISERS
1136 FIRST STREET S
WINTER HAVEN,  FL  338800000

W D HOHMAN

FLRZ460                
(Certified General) 
11-30-2016

DAVID HOHMAN
4232 THOMAS WOOD LANE
WINTER HAVEN,  FL  338800000

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Winter Haven FHA MORTGAGE  / Winter Haven VA / Winter Haven Winter Haven FHA REFINANCE / Winter Haven NO CREDIT / Winter Haven BAD CREDIT / Winter Haven HARD MONEY / Winter Haven LOAN INFO / Altamonte SpringsHA INFO / FHA LOAN  LIMITS

About the City of Winter Haven

The Timucua and the Calusa were the earliest known inhabitants of the land that would become Winter Haven. Both of these groups were deeply impacted, by war and disease, from the Spanish exploration of Florida in the early 1500s. The Timucua were particularly effected the expedition of Hernando de Soto. By the 19th century, both these groups no longer existed. During these expeditions, the Spanish explorers claimed the entire peninsula of Florida for the Spanish monarchy
According to the United States Census Bureau, the city has a total area of 25.4 square miles (66 km2). 17.7 square miles (46 km2) of it is land and 7.7 square miles (20 km2) of it (30.45%) is water.
There were 11,833 households out of which 21.6% had children under the age of 18 living with them, 42.1% were married couples living together, 12.8% had a female householder with no husband present, and 41.4% were non-families. 36.0% of all households were made up of individuals and 18.9% had someone living alone who was 65 years of age or older. The average household size was 2.17 and the average family size was 2.81.

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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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