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


BAKER FLORIDA FHA MORTGAGE ADVANTAGES

fha_mortgage_fha_loan_florida.jpg

FHA Loans for Buying a Florida Home or FHA Refinance Mortgages 

1STARTNOW

 www.Florida-Mortgage-Lenders.com 

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

• Baker 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.

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

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

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

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

BAKER FLORIDA:

Baker is a county located in the U.S. state of Florida. As of the 2010 census, the population was 27,115. Its county seat is Macclenny, Florida. The county was founded in 1861 and is named for James McNair Baker, a judge and Confederate Senator.

BAKER FLORIDA FHA APPRIASERS:

The following list of Baker 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 Baker Florida.

Name

License/
Expiration Date

Address

ROBERT L BARNETT

CAAG001909             
(Certified General) 
07-24-2016

APPRAISAL SERVICES
18720 PALM AVENUE
BAKERSFIELD,  CA  933120000

MICHAEL L LAUNER

CAAG002049             
(Certified General) 
12-07-2016

LAUNER & ASSOCIATES, INC.
6613 NORRIS ROAD
BAKERSFIELD,  CA  933080000

GARY T CRABTREE

CAAG002666             
(Certified General) 
12-12-2016

P.O. BOX 9491
BAKERSFIELD,  CA  933890000

ALAN A LIFQUIST

CAAG002915             
(Certified General) 
01-29-2016

REAL ESTATE EVALUATION SERVICE
140 S. MONTCLAIR ST STE. C
BAKERSFIELD,  CA  933090000

KENNETH G RICKS

CAAG003243             
(Certified General) 
12-11-2016

KENNETH RICKS AND ASSOCIATES
2201 MT VERNON AVE #108
BAKERSFIELD,  CA  933060000

MICHAEL C BURGER

CAAG003817             
(Certified General) 
05-17-2016

MICHAEL BURGER & ASSOC.
3512-B COFFEE RD.
BAKERSFIELD,  CA  933080000

DAVID R CLARK

CAAG005966             
(Certified General) 
01-19-2017

DAVID R. CLARK
P.O. BOX 81433
BAKERSFIELD,  CA  933800000

JOHN R KRIZO

CAAG007834             
(Certified General) 
10-15-2016

PACIFIC APPRAISAL CONSULTANTS
1400 CHESTER AVE., STE L
BAKERSFIELD,  CA  933010000

CARL F WILSON

CAAG011610             
(Certified General) 
09-03-2015

GOLDEN WEST APPRAISAL
11110 CHIMNEY ROCK DR.
BAKERSFIELD,  CA  933120000

RICHARD S MAGAR

CAAG027505             
(Certified General) 
01-27-2016

KERN VALUATION SERVICES
2104 24TH STREET, SUITE 5
BAKERSFIELD,  CA  933010000

DAVID W BONDEROV

CAAR002529             
(Certified Residential) 
04-24-2016

ACTION APPRAISAL
5401 BUSINESS PARK SOUTH #209
BAKERSFIELD,  CA  933090000

JOHN S EVANS

CAAR003781             
(Certified Residential) 
04-06-2016

EVANS APPRAISALS
13818 WESTDALE DR
BAKERSFIELD,  CA  933140000

DONALD G RISNER JR

CAAR004107             
(Certified Residential) 
08-19-2016

DONALD GUY RISNER
12801 MONTEREY BEACH DR
BAKERSFIELD,  CA  933110000

TAMMY K BONDEROV

CAAR005157             
(Certified Residential) 
06-17-2016

WACHOVIA APPRAISAL
7413 ELISO COURT
BAKERSFIELD,  CA  933090000

KEITH SPURLOCK

CAAR006249             
(Certified Residential) 
09-06-2016

21 STEIN RD
BAKERSFIELD,  CA  933090000

GREG P ONTIVEROS JR

CAAR007347             
(Certified Residential) 
12-07-2016

1906 DEERFIELD ST
BAKERSFIELD,  CA  933140000

KIRBY J SHROPSHIRE

CAAR008116             
(Certified Residential) 
11-27-2016

KIRBY SHROPSHIRE & ASSOCIATES
P.O. BOX 81743
BAKERSFIELD,  CA  933800000

GEORGE L SPENCER

CAAR008139             
(Certified Residential) 
08-14-2016

116 LINCOLN STREET
BAKERSFIELD,  CA  933050000

FRED D BERGER

CAAR008253             
(Certified Residential) 
10-28-2016

FRED BERGER APPRAISALS
5101 FRUITVALE AVENUE
BAKERSFIELD,  CA  933080000

MICHAEL D GOAD

CAAR008804             
(Certified Residential) 
05-05-2017

MICHAEL GOAD REAL ESTATE APPRA
16419 BLACK HAWK AVE>
BAKERSFIELD,  CA  933140000

KIM W SHROPSHIRE

CAAR009294             
(Certified Residential) 
08-16-2015

KIM W. SHROPSHIRE & ASSOC.
2725 PRIMERA VISTA
BAKERSFIELD,  CA  933060000

BENNY M LEGGETT

CAAR009556             
(Certified Residential) 
07-07-2015

3845 STROCKDALE HWY #106
BAKERSFIELD,  CA  933090000

JAMES B RIVERS

CAAR010219             
(Certified Residential) 
02-02-2016

RIVERS APPRAISALS
5800 FAIR OAKS DRIVE
BAKERSFIELD,  CA  933060000

JOHN W CARLS

CAAR011979             
(Certified Residential) 
11-11-2016

1415 18TH ST SUITE #315
BAKERSFIELD,  CA  933010000

THOMAS L JOHNS

CAAR013059             
(Certified Residential) 
04-20-2017

THOMAS JOHNS & ASSOCIATES
7200 PALM TREE CIRCLE
BAKERSFIELD,  CA  933080000

CHRISTINE G DAWSON-KOEHN

CAAR013358             
(Certified Residential) 
01-03-2017

APRAISAL PLUS
3400 PANAMA LANE,ST.F,#105
BAKERSFIELD,  CA  933130000

JEREMY C JANS

CAAR013997             
(Certified Residential) 
09-10-2015

3100 19TH STREET, STE 5
BAKERSFIELD,  CA  933010000

JEFFREY E ONTIVEROS

CAAR014335             
(Certified Residential) 
04-27-2017

ONTIVEROS APPRAISAL SERVICE
10601 REDBRIDGE WAY
BAKERSFIELD,  CA  933110000

LUTHER H OGLE

CAAR016963             
(Certified Residential) 
09-06-2015

SKIP OGLE AND ASSOCIATES
P.O. BOX 81883
BAKERSFIELD,  CA  933801883

DANA M BRYAN

CAAR018602             
(Certified Residential) 
02-19-2016

P.O. BOX 9033
BAKERSFIELD,  CA  933890000

KELLEY S CUDWORTH

CAAR022096             
(Certified Residential) 
01-21-2016

APPRAISAL SERVICES
5307 CAMERON COURT
BAKERSFIELD,  CA  933090000

RICHARD D BURUBELTZ

CAAR024673             
(Certified Residential) 
10-08-2016

3908 RIVIERA DRIVE
BAKERSFIELD,  CA  933060000

KENT B SNELLING

CAAR025043             
(Certified Residential) 
01-16-2017

BAKERSFIELD APPRAISAL
P. O. BOX 10313
BAKERSFIELD,  CA  933890000

ROBERT J KING

CAAR025725             
(Certified Residential) 
10-17-2016

ROBERT KING & ASSOCIATES
5401 BUSINESS PARK SOUTH #222
BAKERSFIELD,  CA  933090000

CASEY D OGLE

CAAR026600             
(Certified Residential) 
03-09-2017

PO BOX 12285
BAKERSFIELD,  CA  933890000

KIMBERLY D CLARK-RYDER

CAAR027797             
(Certified Residential) 
09-05-2016

KIM RYDER APPRAISALS
4900 CALIFORNIA AVE-B-210
BAKERSFIELD,  CA  933090000

LORA L KESSLER

CAAR027907             
(Certified Residential) 
12-12-2016

LORA L KESSLER
4506 REMINGTON PARK DRIVE
BAKERSFIELD,  CA  933120000

ERIC J BONILLA

CAAR028924             
(Certified Residential) 
10-07-2016

AMERICAN APPRAISAL
P.O. BOX 22851
BAKERSFIELD,  CA  933900000

JEFFREY D FERRIS

CAAR030750             
(Certified Residential) 
05-08-2015

J D FERRIS APPRAISALS
4925 COMMERCE DRIVE # 100
BAKERSFIELD,  CA  933090000

JOHN R SELLERS

CAAR030993             
(Certified Residential) 
06-10-2015

SELLERS APPRAISAL SERVICES
8200 STOCKDALE HWY M-10 SUITE
BAKERSFIELD,  CA  933110000

AMY R WILHITE

CAAR031812             
(Certified Residential) 
09-09-2015

RELS VALUATION
2309 CULLEN COURT, UNIT A
BAKERSFIELD,  CA  933140000

KENNETH G YOUNGKRANTZ

CAAR032377             
(Certified Residential) 
11-06-2015

APEX APPRAISAL
904 SAN CARLOS WAY
BAKERSFIELD,  CA  933090000

TERESA L FOWLER

CAAR032832             
(Certified Residential) 
01-13-2016

11418 EQUINOX AVENUE
BAKERSFIELD,  CA  933120000

JASON L SUMMERS

CAAR034706             
(Certified Residential) 
07-29-2016

3300 RIDGE MONT STREET
BAKERSFIELD,  CA  933130000

CURTIS R STUDEBAKER

CAAR034742             
(Certified Residential) 
08-03-2016

TRI-COUNTY APPRAISAL
17325 FALLING CREEK AVENUE
BAKERSFIELD,  CA  933140000

MARVIN L BLOCKER

CAAR034785             
(Certified Residential) 
08-10-2016

BLOCKER APPRAISALS & REAL ESTA
11502 MEZZADRO AVE
BAKERSFIELD,  CA  933120000

DAVID A CESARE

CAAR035988             
(Certified Residential) 
12-28-2016

CESARE
509 JEWEL FLOWER STREET
BAKERSFIELD,  CA  933140000

FRANK C ABBOT JR

CAAR036107             
(Certified Residential) 
01-06-2017

ABBOT APPRAISALS
3101 CALIFORNIA AVENUE
BAKERSFIELD,  CA  933040000

PHILLIP R PRICE

CAAR036253             
(Certified Residential) 
01-27-2017

ACE APPRAISAL
841 MOHAWK STREET, SUITE 190
BAKERSFIELD,  CA  933090000

PAUL T DUDLEY

CAAR037122             
(Certified Residential) 
04-28-2017

PAUL T. DUDLEY REAL ESTATE APP
9714 ANAPARNO CT
BAKERSFIELD,  CA  933120000

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About the City of Baker

Baker County was founded in 1861. It was named for James McNair Baker, a judge and Confederate senator. In 1864 the Battle of Olustee, which was the only major American Civil War battle in Florida, was fought near Lake City, Florida in Baker County
According to the U.S. Census Bureau, the county has a total area of 589 square miles (1,530 km2), of which 585 square miles (1,520 km2) is land and 3.7 square miles (9.6 km2) (0.6%) is water.
There were 7,043 households out of which 41.20% had children under the age of 18 living with them, 61.70% were married couples living together, 13.10% had a female householder with no husband present, and 20.50% were non-families. 17.10% of all households were made up of individuals and 6.90% had someone living alone who was 65 years of age or older. The average household size was 2.86 and the average family size was 3.20..

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CREDIT REQUIREMENTS

FHA MORTGAGE

550 MIN FICO

PORTFOLIO MORTGAGE

NO MINIMUM

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550 MIN FICO SCORE 

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580 MIN FICO SCORE 

FANNIE MAE.

620 MIN FICO SCORE 

FREDDIE MAC

620 MIN FICO SCORE 

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