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


ESPANOLA 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 

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

• Espanola 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.

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

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

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

 

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

ESPANOLA FLORIDA:

Espanola is an unincorporated community in Flagler County, Florida, United States. It is located at the intersection of Old Brick Road, County Road 13, and County Road 205. The town covers a very small area, with an area of only 2 miles. It is part of the Deltona–Daytona Beach–Ormond Beach, FL metropolitan statistical area.

ESPANOLA FLORIDA FHA APPRIASERS:

The following list of Espanola 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 Espanola Florida.

Name

License/
Expiration Date

Address

SEAN M CANTRELL

NM1045-R               
(Certified Residential) 
04-30-2017

APPRAISALS BY CANTRELL
207 LOS ALAMOS HIGHWAY
ESPANOLA,  NM  875320000

DONALD W MILLIGAN

NM373-R                
(Certified Residential) 
04-30-2016

YUCCA REALTY.
1114 N. RIVERSIDE DR.
ESPANOLA,  NM  875320000

PATRICK W BRENNAN

NM860-G                
(Certified General) 
04-30-2017

DEL NORTE APPRAISALS
73 STATE ROAD 581
ESPANOLA,  NM  875320000

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State: FL
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City: Espanola
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Espanola FHA MORTGAGE  / Espanola VA / Espanola Espanola FHA REFINANCE / Espanola NO CREDIT / Espanola BAD CREDIT / Espanola HARD MONEY / Espanola LOAN INFO / Altamonte SpringsHA INFO / FHA LOAN  LIMITS

About the City of Espanola

Between 1875 and 1926, the coming of the railroad that connected Jacksonville and Ormond shaped this chapter of Flagler's history. The route traveled through Windemere where settlers were already raising cattle. Rail transportation spawned tremendous growth in timber and turpentine production in this area, now known as Espanola. Tram railroads built by Utley J. White extended into remote areas of the county and served the expanding operations.
Timber was exported and used locally for building railroads and making the barrels that would take potatoes to market. Potato farming grew in importance as rail transportation provided access to markets to the north. Flagler became a county in 1917 as a patchwork brought together from the southern portion of St. John's County and the northern portion of Volusia. The communities of Bunnell, Espanola, St. Johns Park, Haw Creek, Dupont, Korona and Ocean City (Flagler Beach) were the economic and population centers of the time. Bunnell became the county seat.
In 1915 Dixie Highway was constructed as a narrow brick road from Jacksonville through St. Augustine, Hastings, Espanola, Bunnell and ending at Flagler Beach. Now tourists from the north would have a land route to Flagler's beach. When the newer highway was built 1926, the more direct route bypassed Espanola, and contributed to the decline of that community. Today Dixie Highway (US 1) is a major north-south route, but Old Dixie Highway still serves the community.

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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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