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


EMPORIA 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 

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

• Emporia 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.

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

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

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

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

EMPORIA FLORIDA:

Emporia is an unincorporated community located in northwest Volusia County, Florida.

EMPORIA FLORIDA FHA APPRIASERS:

The following list of Emporia 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 Emporia Florida.

Name

License/
Expiration Date

Address

RAYMOND A TOSO

KS100                  
(Certified General) 
06-30-2015

TOSO APPRAISAL SERVICE
2511 GRAPHIC ARTS ROAD
EMPORIA,  KS  668010000

CHERYL J SHAFER

KS2699                 
(Certified Residential) 
06-30-2015

SHAFER APPRAISALS, LLC
1639 W. 20TH PARK PLACE
EMPORIA,  KS  668010000

TIMOTHY S BOLLINGER

KS2723                 
(Certified Residential) 
06-30-2015

BOLLINGER APPRAISALS
722 W. 6TH AVENUE, SUITE C
EMPORIA,  KS  668010000

DAVID T BLAND

VA4001008068           
(Certified Residential) 
02-29-2016

510 PEACHTREE ST
EMPORIA,  VA  238470000

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Emporia FHA MORTGAGE  / Emporia VA / Emporia Emporia FHA REFINANCE / Emporia NO CREDIT / Emporia BAD CREDIT / Emporia HARD MONEY / Emporia 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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