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


EL CHICO 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 

EL CHICO FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:

• El Chico 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.

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

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

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

 

HOMES FOR SALE IN EL CHICO FLORIDA
EL CHICO FLORIDA FHA APPROVED CITY DATA

EL CHICO FLORIDA:

El Chico is an unincorporated community in Monroe County, Florida, United States. It is located in the lower Florida Keys on Big Coppitt Key. It is within the Census-designated place (CDP) of Big Coppitt Key.

El Chico FHA MORTGAGE  / El Chico VA / El Chico El Chico FHA REFINANCE / El Chico NO CREDIT / El Chico BAD CREDIT / El Chico HARD MONEY / El Chico LOAN INFO / Altamonte SpringsHA INFO / FHA LOAN  LIMITS

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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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Reviews on Zillow
1399173
"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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1375949
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by rmac333
1345066
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by zuser20140303145114251