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


LITHIA 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 

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

• Lithia 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.

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

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

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

 

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

LITHIA FLORIDA:

Lithia is an unincorporated community in Hillsborough County, Florida, United States. It is a suburb of Tampa and has a population of 8,527. The zip code is 33547. The area code is 813. The area includes the Census-designated place (CDP) of Fish Hawk. Lithia is home to the 2,963 acre Alafia River Corridor and 5,515 acre Chito Branch Reserve.

LITHIA FLORIDA FHA APPRIASERS:

The following list of Lithia 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 Lithia Florida.

Name

License/
Expiration Date

Address

MICHELLE H PATRICK

FLRD4272               
(Certified Residential) 
11-30-2016

LITHIA APPRAISAL SERVICES, INC
PO BOX 735
LITHIA,  FL  335470000

LAURIE L WALSH

FLRD4287               
(Certified Residential) 
11-30-2016

AMERICANA APPRAISAL SERVICES
5720 HERONPARK PL
LITHIA,  FL  335470000

ELISE R HOVANETZ

FLRD5287               
(Certified Residential) 
11-30-2016

5808 FISHHAWK RIDGE DRIVE
LITHIA,  FL  335470000

PATRICK J EFTINK

FLRD5347               
(Certified Residential) 
11-30-2016

BAYSIDE APPRAISALS
5307 FISHHAWK RIDGE DR
LITHIA,  FL  335470000

ROBERT C JOHNSON

FLRD5375               
(Certified Residential) 
11-30-2016

5334 SAGECREST DR
LITHIA,  FL  335470000

GREGORY A PRESEAU

FLRD5725               
(Certified Residential) 
11-30-2016

18244 LITHIA RANCH RD
LITHIA,  FL  335470000

DAVID A KORB

FLRD7761               
(Certified Residential) 
11-30-2016

DAVID KORB
16321 BRIDGECROSSING DR
LITHIA,  FL  335470000

ROBIN F KORB

FLRD7771               
(Certified Residential) 
11-30-2016

16321 BRIDGECROSSING DR
LITHIA,  FL  335470000

DONALD G GLOVER JR

FLRZ3553               
(Certified General) 
11-30-2016

GLOVER APPRAISAL SERVICE
5220 BANNISTER PARK LANE
LITHIA,  FL  335470000

DAVID A KORB

OH2007005198           
(Certified Residential) 
12-13-2015

DAVID KORB
16321 BRIDGECROSSING DR
LITHIA,  FL  335470000

ROBIN F KORB

OH2007006165           
(Certified Residential) 
08-21-2015

16321 BRIDGECROSSING DR
LITHIA,  FL  335470000

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About the City of Lithia

Lithia is a small unincorporated community and home to Lithia Springs State Park, Alderman's Ford Park and the C.W. Bill Young Reservoir. The elevation ranges from less than 8 feet at Lithia Springs to 105 feet south of the post office.
The community has a rich history in agriculture, saw mills, and phosphate mining. In the late 1990s, Newland Communities purchased 3,000 acres (12 km2) to develop Fishhawk Ranch, Fishhawk Trails was developed by another company, more public works and retail stores are currently in the development. The international headquarters of the Mosaic Companies phosphate division is located in Lithia.
Prior to the advent of white settlers in 1846, Lithia had been variously inhabited by Native American tribes, such as the Tocobaga, Muskogan (Creek), Tomokan, Caloosa and later the Seminole, some of whom were mentioned by the Spanish in the 1600s.[3] Settlers from Georgia arrived in 1847. In 1848, James Alderman created a ford on the Alafia River at the site of present day Alderman's Ford Park. By the time of the civil war, Alderman's cattle ranching operation ran to around 30,000 head of cattle.

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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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