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


FERN PARK 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 

FERN PARK FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:

• Fern Park 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.

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

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

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

 

HOMES FOR SALE IN FERN PARK FLORIDA
FERN PARK FLORIDA FHA APPROVED APPRIASERS LIST

FERN PARK FLORIDA:

Fern Park is a census-designated place and a suburban unincorporated community in Seminole County, Florida, United States. The population was 8,318 at the 2000 census. It is part of the Orlando–Kissimmee Metropolitan Statistical Area.

FERN PARK FLORIDA FHA APPRIASERS:

The following list of Fern Park 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 Fern Park Florida.

Name

License/
Expiration Date

Address

THOMAS A DRAIS

FLRD1236               
(Certified Residential) 
11-30-2016

2002 WINNEBAGO TRAIL
FERN PARK,  FL  327300000

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Fern Park FHA MORTGAGE  / Fern Park VA / Fern Park Fern Park FHA REFINANCE / Fern Park NO CREDIT / Fern Park BAD CREDIT / Fern Park HARD MONEY / Fern Park LOAN INFO / Altamonte SpringsHA INFO / FHA LOAN  LIMITS

About the City of Fern Park

According to the United States Census Bureau, the CDP has a total area of 2.3 square miles (6.0 km2), of which, 2.0 square miles (5.2 km2) of it is land and 0.3 square miles (0.78 km2) of it (12.39%) is water.
As of the census of 2000, there were 8,318 people, 3,570 households, and 2,227 families residing in the CDP. The population density was 4,055.3 people per square mile (1,566.6/km²). There were 3,700 housing units at an average density of 1,803.9/sq mi (696.9/km²). The racial makeup of the CDP was 85.14% White, 7.54% African American, 0.42% Native American, 1.54% Asian, 0.01% Pacific Islander, 3.07% from other races, and 2.28% from two or more races. Hispanic or Latino of any race were 12.83% of the population.
There were 3,570 households out of which 24.1% had children under the age of 18 living with them, 46.0% were married couples living together, 12.4% had a female householder with no husband present, and 37.6% were non-families. 30.3% of all households were made up of individuals and 13.1% had someone living alone who was 65 years of age or older. The average household size was 2.30 and the average family size was 2.85.

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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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954-667-9110

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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 "
5.0/5.0
by lbaze2008
1375949
"I was hesitant to utilize someone from the internet to obtain my home loan. I even let my real estate agent talk me into going with someone local ... more "
5.0/5.0
by rmac333
1345066
"Thomas martin was a great help with our mortgage . it was a stressful time in our life , but Thomas remained calm through out the whole process which ... more "
5.0/5.0
by zuser20140303145114251