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


GRAYTON BEACH 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 

GRAYTON BEACH FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:

• Grayton Beach 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.

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

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

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

 

HOMES FOR SALE IN GRAYTON BEACH FLORIDA
GRAYTON BEACH FLORIDA FHA APPROVED CITY DATA

GRAYTON BEACH FLORIDA:

Grayton Beach is a small, historic beach village on the Florida Panhandle Gulf coast halfway between Destin and Panama City in Walton County and adjacent to Grayton Beach State Park. Collectively, the area is known as the “Beaches of South Walton,” with South Walton referring to the southern portion of Walton County below the Choctawhatchee Bay.

Grayton Beach FHA MORTGAGE  / Grayton Beach VA / Grayton Beach Grayton Beach FHA REFINANCE / Grayton Beach NO CREDIT / Grayton Beach BAD CREDIT / Grayton Beach HARD MONEY / Grayton Beach LOAN INFO / Altamonte SpringsHA INFO / FHA LOAN  LIMITS

About the City of Grayton Beach

The village is in the center of a 20-mile long stretch of coastal dune lakes that are so rare they are only found in Walton County and remote portions of Africa. Grayton Beach has a broad natural beach and is one of the few beaches in the Panhandle that issues permits for about $250 a season that allow for the driving of vehicles on the pure white sand.
In the 1930s, the area became easier to reach, with the construction of Highway 98, the Highway 331 bridge, and the Intracoastal Waterway. In the 1940s, the Choctawhatchee Electric Cooperative brought electricity to the village. In 1942, the U. S. Coast Guard established a 40-man station here, with the federal government renting many of the homes for barracks and offices.
In 1967, the state used its land east of the town to create the Grayton Beach State Recreation Area. In 1985, after years of lobbying by residents, Florida bought the village's beach front and the dunes and forest land to the west and north. When the state tried to trade away parts of the 1985 purchase for land at Topsail Hill, many Grayton Beach residents and neighbors howled in protest. The land swap fell through when the state and Topsail's owners could not come to terms.

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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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