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


FLEMING ISLAND 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 

FLEMING ISLAND FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:

• Fleming Island 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.

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

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

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

 

HOMES FOR SALE IN FLEMING ISLAND FLORIDA
FLEMING ISLAND FLORIDA FHA APPROVED APPRIASERS LIST

FLEMING ISLAND FLORIDA:

Fleming Island is an unincorporated community and census-designated place (CDP) in Clay County, Florida, United States. It is located 21 miles (34 km) southwest of downtown Jacksonville, on the western side of the St. Johns River, off US 17. As of the 2010 census the Fleming Island CDP had a population of 27,126.

FLEMING ISLAND FLORIDA FHA APPRIASERS:

The following list of Fleming Island 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 Fleming Island Florida.

Name

License/
Expiration Date

Address

W S SMITH

FLRD2026               
(Certified Residential) 
11-30-2016

SMITH APPRAISAL GROUP, INC.
1592 CHAIN FERN WAY
FLEMING ISLAND,  FL  320030000

MARK C MCCALL

FLRD3381               
(Certified Residential) 
11-30-2016

MCCALL APPRAISAL
224 FLEMING FOREST LN
FLEMING ISLAND,  FL  320030000

GEORGE S SANDERS

FLRD693                
(Certified Residential) 
11-30-2016

SANDERS APPRAISAL SERVICE, INC
1561 SILVER BELL LN
FLEMING ISLAND,  FL  320030000

JOHNATHON S SMITH

FLRD7364               
(Certified Residential) 
11-30-2016

ALLIANCE APPRAISAL GROUP, INC.
1812 CREEKWOOD LANE
FLEMING ISLAND,  FL  320030000

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Fleming Island FHA MORTGAGE  / Fleming Island VA / Fleming Island Fleming Island FHA REFINANCE / Fleming Island NO CREDIT / Fleming Island BAD CREDIT / Fleming Island HARD MONEY / Fleming Island LOAN INFO / Altamonte SpringsHA INFO / FHA LOAN  LIMITS

About the City of Fleming Island

In 1942, when the area was undeveloped, the U.S. Navy constructed four asphalt runways on the site and established a Naval Outlying Field designated as NOLF Fleming Island, an auxiliary airfield to Naval Air Station Jacksonville. The Navy abandoned the auxiliary airfield in the 1960s, its runways too short to accommodate the jet aircraft then in operation at nearby NAS Jacksonville and NAS Cecil Field, and in the late 1990s the decaying runways were demolished to make way for current residential development.
According to the U.S. Census Bureau, the Fleming Island CDP has a total area of 23.1 square miles (59.9 km2), of which 15.8 square miles (41.0 km2) is land and 7.3 square miles (18.9 km2), or 31.56%, is water. Fleming Island is bordered by water or wetlands on all sides: the St. Johns River to the east, Doctors Lake to the north, Black Creek to the south and Swimming Pen Creek to the west. There are wetlands from Swimming Pen Creek to Black Creek that are not navigable. Some locals favor opening this to Black Creek but so far, the St. Johns Water Management District has not pursued the idea of doing this.
There were 9,821 households, out of which 41.3% had children under the age of 18 living with them, 66.5% were headed by married couples living together, 9.2% had a female householder with no husband present, and 20.9% were non-families. 17.2% of all households were made up of individuals, and 6.3% were someone living alone who was 65 years of age or older. The average household size was 2.76 and the average family size was 3.12.

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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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