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


CAPITOLA 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 

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

• Capitola 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.

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

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

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

 

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

CAPITOLA FLORIDA:

Capitola is a small unincorporated community in eastern Leon County, Florida located at County Road 1540 (Capitola Road) and County Road 1541 (Baum Road).

CAPITOLA FLORIDA FHA APPRIASERS:

The following list of Capitola 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 Capitola Florida.

Name

License/
Expiration Date

Address

DAVID F BECCARIA

CAAG001943             
(Certified General) 
03-03-2017

810-C BAY AVE.
CAPITOLA,  CA  950100000

FRANK O MAY

CAAG002051             
(Certified General) 
06-02-2016

FRANK O MAY AND ASSOCIATES
2121 41ST AVENUE STE 207
CAPITOLA,  CA  950100000

RYAN J WHITELAW

CAAG028668             
(Certified General) 
01-31-2016

PACIFIC APPRAISERS
4145 CLARES STREET SUITE H
CAPITOLA,  CA  950100000

DENISE D SLADE

CAAG033458             
(Certified General) 
03-18-2016

PACIFIC APPRAISERS
4145 CLARES STREET
CAPITOLA,  CA  950100000

BRIER S BASILICO

CAAG038925             
(Certified General) 
11-29-2015

ADVANTAGE APPRAISERS
318 HILL STREET, SUITE B
CAPITOLA,  CA  950100000

ZACHARY J SILVA

CAAR034233             
(Certified Residential) 
06-01-2016

ZACHARY SILVA, APPRAISER
PO BOX 242
CAPITOLA,  CA  950100000

JASON M GARY

CAAR035235             
(Certified Residential) 
09-28-2016

1740 46TH AVE
CAPITOLA,  CA  950100000

PATRICK J ROONEY

CAAR043644             
(Certified Residential) 
02-05-2016

4160 JADE ST. SPACE #35
CAPITOLA,  CA  950100000

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About the City of Capitola

Evergreen Hills Plantation, a large cotton plantation, occupied the land that is now or extremely close to Capitola. From 1908 through the 1940s Capitola was served by the Florida Central Railroad. Capitola was originally called the town of Mays. Some of the first families that moved into Capitola were the Duprees, Boyds, and the Upchurches.
The small town of Capitola, with just a few dozen residents in Eastern Leon County, Florida, is often overshadowed by its close neighbor, Chaires, to the southwest. Fire and rescue services are provided to the community by the Chaires-Capitola Volunteer Fire Department.
The heart of town is marked by the Capitola Joy Mart, a small grocery / convenience store. The area is also home to the Capitola Baptist Church which was established in 1926 and The Capitola Cemetery, where the towns namesake is buried, Capitola DuPree. The Cemetery is located off of Cap Tram road in a very wooded area. Capitola is known for its beautiful southern landscapes with several farms inside the heart of it.

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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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