100% Florida FHA Mortgage Lenders – 100% Florida Mortgage Lenders
100% Florida Home Loans – One Hundred Percent Florida mortgage financing
US Mortgage Lenders 100% Florida FHA Mortgage Lenders Program is designed to increase homeownership opportunities for low-to-moderate income individuals and families. Unless otherwise specified here as an overlay, Florida mortgage lenders adhere to all posted guidelines for FHA eligibility, as found in the FHA Single Family Housing Handbook 4000.1. Down Payment Assistance is available to achieve 100% CLTV with these two options: 1) 100% Florida FHA Mortgage Lenders Program (2nd lien is a zero percent (0.00%) Note rate, fully amortized over 30 years, with a forgivable option), and 2) 100% Florida FHA Mortgage Lenders 2nd Program (featuring a 2nd lien that has an interest rate equal to the first lien rate plus 2% with a 10-year amortization and monthly payments required).
One of the most innovative Florida DPA (Down Payment Assistance Programs) available today.
Highlights include:
- 580 FICO Minimum
- FHA First Mortgage with 3.5% 2nd Mortgage.
- 100% CLTV
- FHA Loan Limit Max
- Follows FHA Guidelines
- Minimal Overlays.
Highlights Include:
- 100% CLTV FHA Loan (Combines 1st and Subordinate Lien)
- 2nd lien with an interest rate 2% greater than 1st lien
- Payment amortized over 10 years
- Monthly payments required
- 580 Minimum FICO
- Borrower’s minimum contribution of $0.00
- Purchase Only
- No First Time Home Buyer Requirement
- Loan amount to Conforming limits
100% Florida FHA Mortgage Lenders offers 1st mortgage at 96.5% LTV, and its price on ourMax One or the MaxOne Plus FHA pricing, which does have less premium than the Regular FHA rates.
The MaxOne Plus and Max One pricing is on the bottom right side of that page. Most of the time because there is less premium on both of these you would have to go BPC to pass QM.
Difference between Max One and Max One Plus:
Max One Plus – the 2nd Mortgage for the 3.5% LTV is at 2% above what you lock in for the 1st mortgage rate and the second is on a 10 yr term. That payment does need to be counted in the DTI. Max One Plus does have more premium on the 1st mortgage rates than Max One .
Max One – the 2nd Mortgage for the 3.5% is at 0% interest for 30 years. It is a silent 2nd and does not have any payments. It can be Forgiven after 10 years. The Max One 1st mortgage rates do not have as much premium as the Max One Plus rates though.
TOPIC BORROWER ELIGIBILITY
| TOPIC | BORROWER ELIGIBILITY |
| FHA 100% Mortgage Lenders Product Description | 1st TD, 30-Year Fixed Rate Term, Full Amortization MAXONE 2nd lien is a zero percent (0.00%) Note rate, fully amortized over 30 years, with a forgivable option. MAXONEPLUS is 2nd lien has an interest rate equal to first lien rate plus 2% and 10-year amortization with monthly payments required |
| AUS = Automated Underwriting System | Approve/Eligible or Accept findings required Manual Underwriting is not allowed |
| Credit Score | 580 Minimum Credit Score Must meet all FHA credit standards per FHA Single Family Housing Handbook 4000.1 |
| Debt-to-Income Ratio (DTI) | AUS findings (Approve/Eligible or Accept findings required) 100% Florida FHA Mortgage Lenders Plus o Payment for the 2nd lien must be included in qualifying ratios (2nd rate equal to first lien rate plus 2% and a 10-year amortization) o Underwriter must resubmit AUS after the loan is locked |
| Eligible Properties | Condominium (must not be in litigation) Double-wide manufactured housing allowed (single-wide not allowed) Planned Unit Development (PUD) SFR (1-4 Units) Townhouse |
| Income | Follow FHA Single Family Housing Handbook 4000.1 guidelines Income Limits: o No restrictions o Underwriter to notate Income Limit on 92900LT (per https://www.huduser.gov/portal/datasets/il.html) Use Individual Median Family Income Search by State and County in which property is located |
| Ineligible Borrowers | Any borrower who does not meet FHA’s definition of a lawful, legal resident of the United States of America (For borrower residency or VISA classification acceptance, follow FHA Guidelines) |
| 1003 – Initial and Final | Initial and Final 1003 are both required, per FHA guidelines At least one of the 1003s must have the ‘Present Housing Expense’ section completed (no exceptions) |
| Borrower Contribution | Borrower’s minimum contribution is $0.00 |
| Cash Back to Borrower | Borrower may not receive any cash back from DPA proceeds (this includes any earnest money deposit) |
| Credit Report – Tradelines | Borrower whose only credit history is built from ‘Authorized User’ account is not eligible |
| Down Payment Assistance (DPA) and Closing Costs Assistance |
Down Payment Assistance (DPA) as outlined below: o Up to 3.5% of the Sales Price or Appraised Value (lesser of the two) o DPA proceeds may be used for down payment and/or closing costs o DPA proceeds may not be used for cash back to the borrower(s) o 2nd lien is a zero percent (0.00%) Note rate, fully amortized over 30 years, with a forgivable option o MaxONE Plus 2nd lien has an interest rate equal to first lien rate plus 2% and a 10-year amortization with monthly payments required |
| First Mortgage Loan Types and Terms |
Loan Types (FHA; in accordance with FHA Guidelines) o 203(b) o 203(b)(2) o 234(c) Loan Term o 30-Year Fixed with Full Amortization Maximum Loan Amount o Conforming Limits ( FHA Mortgage Lenders Limits Lookup Tool) Maximum LTV/CLTV o Max LTV of 96.50% for First Mortgage o Down Payment Assistance (DPA) of 3.5% Allowed o Max CLTV of 100% |
| High-Cost, HPML, and QM Compliance | HPML transactions are permitted; Lender must comply with CFPB and TRID requirements High-cost loans are not permitted All loans must comply with QM/ATR compliance Loans exceeding 3% maximum points/fees test are not permitted unless a cure is applied Bona Fide Discount Points must adhere to CFPB and all (if any) state regulations |
| Homebuyer Education | At least one borrower must receive housing counseling from a HUD-approved non-profit housing counseling agency (https://www.hud.gov/program_offices/housing/sfh/hcc/hcc_home) prior to the Note date |
| TOPIC | FHA 1st TD with 2nd DPA Lien |
| Ineligible Features | Building on own land Construction-to-Perm Easements and Deed Restrictions that affect value, marketability, or property accessibility as determined by the appraiser and for which no protective title endorsement is available Loans with resale Deed Restrictions Proposed, or Under Construction (New Construction is eligible, provided it is complete at the time of purchase) |
| IRS Transcripts | Required for self-employed borrowers, or any borrower who needs tax returns for qualifying |
| Loan Amount | Maximum loan amount follows standard conforming FHA Guidelines and varies by subject property county (HUD FHA Mortgage Limits Lookup Tool) Minimum Loan Amount – $75,000.00 |
| Loan Purpose | Purchase only |
| Mortgage Insurance (MI) | Standard FHA Coverage |
Florida 100% Florida Mortgage Lenders Coverage Areas
Jacksonville
Miami Acacia Village
Tampa Alafaya
Orlando Allentown
St. Petersburg Altoona
Hialeah Alturas
Tallahassee Alva
Port St. Lucie Andrews
Fort Lauderdale Apollo Beach
Cape Coral Aripeka
Pembroke Pines Asbury Lake
Hollywood Astor
Miramar Aucilla
Coral Springs Avalon
Gainesville Azalea Park
Lehigh Acres B[edit]
Miami Gardens Babson Park
Brandon Bagdad
Clearwater Balm
Palm Bay Bardmoor
Pompano Beach Bay Hill
West Palm Beach Bayonet Point
Spring Hill Bay Pines
Lakeland Bayport
Davie Bayshore Gardens
Boca Raton Beacon Square
Sunrise Bear Creek
Miami Beach Bee Ridge
Plantation Bellair-Meadowbrook Terrace
Riverview Bellview
Alafaya Berrydale
Deltona Beverly Hills
Town ‘n’ Country Big Coppitt Key
Largo Big Pine Key
Palm Coast Bithlo
Melbourne Black Diamond
Deerfield Beach Black Hammock
Kendall Bloomingdale
The Villages Bokeelia
Boynton Beach Boulevard Gardens
Fort Myers Bradley Junction
Pine Hills Brandon
Lauderhill Brent
Weston Brewster
Kissimmee Broadview Park
Homestead Brookridge
Poinciana Brownsdale
Delray Beach Brownsville
Daytona Beach Buckhead Ridge
Tamarac Buckingham
Wellington Buenaventura Lakes
North Port Burnt Store Marina
Jupiter Butler Beach
North Miami C[edit]
Palm Harbor Cabana Colony
Port Orange Campbell
Kendale Lakes Canal Point
Port Charlotte Captiva
Fountainebleau Carrollwood
Coconut Creek Cedar Grove
The Hammocks Celebration
Tamiami Charleston Park
Sanford Charlotte Harbor
Ocala Charlotte Park
Margate Cheval
Doral Chokoloskee
Sarasota Christmas
Bradenton Chuluota
Wesley Chapel Chumuckla
Palm Beach Gardens Citrus Hills
Pensacola Citrus Park
Bonita Springs Citrus Springs
Pinellas Park Clarcona
Coral Gables Cleveland
Country Club Cobbtown
Apopka Cocoa West
St. Cloud Combee Settlement
Titusville Connerton
University Conway
Cutler Bay Coral Terrace
Fort Pierce Cortez
Oakland Park Country Club
North Miami Beach Country Walk
North Lauderdale Crawfordville
Ocoee Crescent Beach
Altamonte Springs Crooked Lake Park
Ormond Beach Crystal Lake
North Fort Myers Crystal Springs
Winter Garden Cudjoe Key
Kendall West Cypress Gardens
Greenacres Cypress Lake
South Miami Heights Cypress Quarters
Hallandale Beach D[edit]
The Acreage Dade City North
Winter Haven Day
Oviedo DeLand Southwest
Aventura De Leon Springs
Royal Palm Beach Desoto Lakes
Valrico Dickerson City
Plant City Dixonville
Four Corners Doctor Phillips
Lake Worth Dover
Egypt Lake-Leto Duck Key
Richmond West E[edit]
Panama City East Bronson
Merritt Island East Lake
Dunedin East Lake-Orient Park
Land O’ Lakes East Milton
University CDP East Palatka
Cooper City East Williston
Winter Springs Eastpoint
Carrollwood Eglin AFB
Lauderdale Lakes Egypt Lake-Leto
Riviera Beach Elfers
Navarre Ellenton
Golden Glades Englewood
Meadow Woods Ensley
Buenaventura Lakes F[edit]
Ferry Pass Fairview Shores
West Little River Feather Sound
East Lake Ferndale
Clermont Fern Park
Fruit Cove Ferry Pass
Dania Beach Fidelis
Estero Fisher Island
Miami Lakes Fish Hawk
Lakeside Five Points
Westchester Flagler Estates
DeLand Fleming Island
Winter Park Floral City
Golden Gate Florida Ridge
Lake Magdalene Floridatown
Fleming Island Forest City
Parkland Fort Denaud
Princeton Fort Green
Leisure City Fort Green Springs
Casselberry Fort Myers Shores
East Lake-Orient Park Fort Pierce North
University Park Fort Pierce South
Rockledge Fontainebleau
Oakleaf Plantation Four Corners
Bayonet Point Franklin Park
Citrus Park Fruit Cove
Temple Terrace Fruitville
Immokalee Fuller Heights
Horizon West Fussels Corner
Key West G[edit]
New Smyrna Beach Garcon Point
South Bradenton Garden Grove
Coral Terrace Gardner
Tarpon Springs Gateway
Palmetto Bay Geneva
Palm City Gibsonton
Palm Springs Gifford
Oak Ridge Gladeview
Keystone Glencoe
Vero Beach South Glenvar Heights
Sebastian Golden Gate
Hialeah Gardens Golden Glades
Palm River-Clair Mel Goldenrod
Bloomingdale Gonzalez
Wekiwa Springs Goodland
Wright Gotha
Westchase Goulding
Crestview Goulds
The Crossings Greenbriar
Hunters Creek Grenelefe
Jacksonville Beach Grove City
Haines City Gulf Gate Estates
Brent Gun Club Estates
Northdale H[edit]
Ives Estates Harbor Bluffs
Pace Harbour Heights
Venice Harlem
Sunny Isles Beach Harlem Heights
Ruskin Harold
Sun City Center Heathrow
Ensley Heritage Pines
Leesburg Hernando
Bellview Hernando Beach
Edgewater Highland City
Lutz High Point
Fort Walton Beach Hill ‘n Dale
Naples Hillsboro Pines
Sweetwater Hobe Sound
West Melbourne Holden Heights
Lealman Holiday
Holiday Holley
Palm Valley Homeland
Jasmine Estates Homestead Base
West Pensacola Homosassa
Lynn Haven Homosassa Springs
DeBary Horizon West
Bayshore Gardens Hosford
Eustis Hudson
Lake Butler Hunters Creek
Pinecrest Hutchinson Island South
Florida Ridge I[edit]
Belle Glade Immokalee
Bartow Indian River Estates
Punta Gorda Indiantown
Gibsonton Inverness Highlands North
Seminole Inverness Highlands South
Midway CDP Inwood
Apollo Beach Iona
Cocoa Island Walk
Ojus Istachatta
Fish Hawk Ives Estates
San Carlos Park J[edit]
Marco Island Jan Phyl Village
Glenvar Heights Jasmine Estates
Safety Harbor Jensen Beach
Maitland June Park
Myrtle Grove Juno Ridge
Brownsville Jupiter Farms
Country Walk K[edit]
Opa-locka Kathleen
Sarasota Springs Kendale Lakes
Three Lakes Kendall
Vero Beach Kendall West
Stuart Kensington Park
Upper Grand Lagoon Kenwood Estates
Palmetto Estates Key Largo
Pinewood Keystone
Lake Mary Key Vista
Sunset L[edit]
Southchase Lacoochee
West Lealman Laguna Beach
New Port Richey Lake Belvedere Estates
Tavares Lake Butler
Lake Wales Lake Harbor
Englewood Lake Hart
World Golf Village Lake Kathryn
Callaway Lakeland Highlands
West Park Lake Lindsey
Auburndale Lake Lorraine
Lady Lake Lake Mack-Forest Hills
Bellair-Meadowbrook Terrace Lake Magdalene
Forest City Lake Mary Jane
Azalea Park Lake Mystic
Niceville Lake Panasoffkee
Zephyrhills Lake Sarasota
South Venice Lakeside
Gonzalez Lakewood Park
Miami Springs Lamont
Iona Land o’ Lakes
Olympia Heights and Longwood Laurel
Hobe Sound Lealman
Oldsmar Lecanto
Lockhart Lehigh Acres
Conway Leisure City
St. Augustine Lely
Thonotosassa Lely Resort
East Milton Lemon Grove
Warrington Limestone
Fruitville Limestone Creek
Gladeview Lisbon
Jensen Beach Lloyd
Destin Lochmoor Waterway Estates
Palmetto Lockhart
Mount Dora Loughman
Middleburg Lower Grand Lagoon
Elfers Lutz
Atlantic Beach M[edit]
Homosassa Springs Manasota Key
Key Biscayne Manatee Road
North Palm Beach Mango
Goldenrod Masaryktown
South Daytona Matlacha
Cypress Lake Matlacha Isles-Matlacha Shores
Hudson McGregor
Panama City Beach Meadow Oaks
Wilton Manors Meadow Woods
Lakeland Highlands Medulla
Westwood Lakes Memphis
Pine Castle Merritt Island
South Miami Micco
Yulee Middleburg
Gulfport Midway, Santa Rosa County
Florida City Midway, Seminole County
Lakewood Park Mims
Lake City Miramar Beach
Fernandina Beach Molino
Holly Hill Montura
Shady Hills Moon Lake
Mango Morriston
Jupiter Farms Mount Carmel
Goulds Mount Plymouth
Nocatee Mulat
Cocoa Beach and Port St. John Munson
Westview Myrtle Grove
Groveland N[edit]
Doctor Phillips Naples Manor
Orange City Naples Park
Villas Naranja
Lantana Nassau Village-Ratliff
Richmond Heights Navarre
Fairview Shores Navarre Beach
Lighthouse Point New Port Richey East
Viera East Nobleton
Cheval Nocatee
Naranja Nokomis
Port Salerno North Brooksville
Miami Shores North DeLand
Union Park North Fort Myers
Gulf Gate Estates North Key Largo
West Perrine and Minneola North River Shores
Satellite Beach North Sarasota
Trinity North Weeki Wachee
Sebring Northdale
Gateway O[edit]
Highland City Oakleaf Plantation
Palatka Oak Ridge
Cape Canaveral Ocean City
Avon Park Odessa
Key Largo Ojus
Pine Ridge Okahumpka
Bee Ridge Olga
New Port Richey East Olympia Heights
Fuller Heights Ona
Gifford Orangetree
Alachua Oriole Beach
Milton Orlovista
St. Pete Beach Ormond-by-the-Sea
Bardmoor Osprey
Springfield P[edit]
Medulla Pace
Westgate Page Park
Laurel Paisley
Viera West Palm City
Beverly Hills Palm Harbor
St. Augustine Shores Palm River-Clair Mel
Citrus Springs Palm Springs North
Cypress Gardens Palm Valley
Rotonda Palmetto Estates
Pasadena Hills Palmona Park
Memphis Panacea
Bithlo Paradise Heights
Micco Pasadena Hills
Marathon Patrick SFB
Asbury Lake Pea Ridge
North Sarasota Pebble Creek
Palm Beach Pelican Bay
Orange Park Pine Air
Miramar Beach Pine Castle
Celebration Pine Hills
Lake Park Pine Island
Silver Springs Shores Pine Island Center
Fern Park Pine Lakes
Sugarmill Woods Pine Level
Progress Village Pine Manor
Indian Harbour Beach Pine Ridge, Citrus County
Pebble Creek Pine Ridge, Collier County
Williamsburg Pineland
Hernando Pinewood
Seffner Pioneer
West Vero Corridor Pittman
North Weeki Wachee Plantation
North Bay Village Plantation Island
Odessa Plantation Mobile Home Park
Broadview Park Poinciana
Brooksville Point Baker
Venice Gardens Port Charlotte
Southwest Ranches Port LaBelle
Arcadia Port St. John
Citrus Hills Port Salerno
McGregor Pretty Bayou
Inwood Princeton
Ormond-by-the-Sea Progress Village
Southeast Arcadia Punta Rassa
Quincy Q[edit]
Fort Pierce North Quail Ridge
Southgate R[edit]
Wedgefield Raleigh
Clewiston Richmond Heights
Marianna Richmond West
Green Cove Springs Ridge Manor
Longboat Key Ridge Wood Heights
Inverness Ridgecrest
Wimauma Rio
Sanibel Rio Pinar
Lake Lorraine River Park
West Miami River Ridge
West Samoset Riverview
Neptune Beach Roeville
Perry Roosevelt Gardens
Fort Myers Beach Roseland
Live Oak Rotonda
Treasure Island Royal Palm Estates
Dade City Ruskin
Beacon Square S[edit]
St. Augustine Beach Samoset
Osprey Samsula-Spruce Creek
Belle Isle San Carlos Park
South Patrick Shores San Castle
Indian River Estates Sarasota Springs
Fort Myers Shores Sawgrass
Pembroke Park Schall Circle
Islamorada, Village of Islands Seffner
Kathleen Seminole Manor
Lauderdale-by-the-Sea Seville
Macclenny Shady Hills
Crystal Lake Sharpes
Wildwood Siesta Key
Naples Park Silver Lake
Gulf Breeze Silver Springs Shores
Ocean City Sky Lake
Combee Settlement Solana
Heathrow Sorrento
Pahokee South Apopka
Naples Manor South Beach
Sky Lake South Bradenton
Orlovista South Brooksville
Lecanto South Gate Ridge
River Park South Highpoint
South Gate Ridge South Miami Heights
Inverness Highlands South South Patrick Shores
DeFuniak Springs South Sarasota
Mims South Venice
Tequesta Southchase
Fort Meade Southeast Arcadia
Bay Harbor Islands Southgate
Pelican Bay Spring Hill
Siesta Key Spring Lake
Surfside Spring Ridge
High Springs Springhill
Willow Oak St. Augustine Shores
Mount Plymouth St. Augustine South
Indiantown St. James City
Palm Springs North Stacey Street
Newberry Steinhatchee
Okeechobee Stock Island
Fellsmere Sugarmill Woods
South Apopka Sumatra
Lake Alfred Sun City Center
Samsula-Spruce Creek Suncoast Estates
Mascotte Sunset
Fruitland Park T[edit]
Big Pine Key Taft
Lely Resort Tamiami
Starke Tangelo Park
Warm Mineral Springs Tangerine
South Highpoint Tavernier
St. Augustine South Taylor Creek
South Sarasota The Acreage
Cocoa West The Crossings
Nassau Village-Ratliff The Hammocks
Timber Pines and Zephyrhills South The Meadows
Jan Phyl Village The Villages
Floral City Thonotosassa
Rio Pinar Three Lakes
South Bay Three Oaks
Wahneta Tice
Bay Hill Tierra Verde
South Pasadena Tiger Point
Hutchinson Island South Tildenville
Kenneth City Timber Pines
River Ridge Town ‘n’ Country
Crawfordville Trilby
Valparaiso Trinity
Butler Beach Tyndall AFB
Whiskey Creek U[edit]
Orangetree Union Park
Pine Manor University, Hillsborough County
Flagler Beach University, Orange County
Wauchula University Park
Plantation CDP Upper Grand Lagoon
Tice V[edit]
Belleview Valrico
Zephyrhills West Vamo
Lake Sarasota Venice Gardens
LaBelle Vero Beach South
Goulding Verona Walk
Suncoast Estates Viera East
Port LaBelle Viera West
Sawgrass Villano Beach
Parker Villas
Brookridge Vineyards
Moon Lake W[edit]
Fussels Corner Wabasso
Daytona Beach Shores Wabasso Beach
The Meadows Wacissa
Buckingham Wahneta
Lochmoor Waterway Estates Wallace
Madeira Beach Warm Mineral Springs
Kensington Park Warrington
Vamo Washington Park
Cortez Watergate
Fort Pierce South Watertown
Loughman Waukeenah
June Park Waverly
West Bradenton Wedgefield
Lake Belvedere Estates Weeki Wachee Gardens
Stock Island Wekiwa Springs
Indian Rocks Beach Wesley Chapel
White City West Bradenton
Mary Esther West DeLand
San Castle West Lealman
West DeLand West Little River
Dundee West Pensacola
Holmes Beach West Perrine
Connerton West Samoset
Ridge Manor West Vero Corridor
Indian River Shores Westchase
Alturas Westchester
Jasper Westgate
Grant-Valkaria Westview
South Brooksville Westwood Lakes
Mulberry Whiskey Creek
Taylor Creek and Belleair White City
Bagdad Whitfield, Manatee County
Vineyards Whitfield, Santa Rosa County
Samoset Williamsburg
Ridge Wood Heights Williston Highlands
Charlotte Harbor Willow Oak
Three Oaks Wimauma
Lely Windsor
Holden Heights Winter Beach
Laguna Beach Wiscon
Pea Ridge Woodlawn Beach
Highland Beach Woodville
South Beach World Golf Village
St. James City Wright
Lower Grand Lagoon Y[edit]
Point Baker and Davenport Yalaha
Montura Yeehaw Junction
Umatilla Yulee
Desoto Lakes Z[edit]
High Point Zellwood
Tierra Verde Zephyrhills North
Tyndall AFB Zephyrhills South
Cedar Grove Zephyrhills West
Lake Clarke Shores
Feather Sound
Flagler Estates
Chipley
Dover
Juno Beach
Pretty Bayou
Port St. Joe
North Brooksville
Loxahatchee Groves
Ellenton
Royal Palm Estates
Watergate
North River Shores
Harbour Heights
Nokomis
Midway
Cleveland
Windermere
Seminole Manor
Inverness Highlands North
Whitfield
Biscayne Park
Melbourne Beach
Lake Panasoffkee
Ridgecrest
Bay Pines
Ponce Inlet
Frostproof
Hilliard
Chattahoochee
Island Walk
Crystal River
Harbor Bluffs
Watertown
Bushnell
Sharpes
Zellwood
Big Coppitt Key
Dade City North
Moore Haven
Bal Harbour
Clarcona
Malabar
Manatee Road and Greenbriar
Villano Beach
Bowling Green
Oakland
Madison
Bunnell
Indialantic
Edgewood
Tiger Point
Woodville
Port Richey
Hypoluxo
Lake Helen
Bonifay and Carrabelle
Wewahitchka
Freeport
Williston
Alva
Woodlawn Beach
Balm
Tangelo Park
De Leon Springs
Blountstown
Cabana Colony
Tangerine
Geneva
Hernando Beach
Harlem
Roosevelt Gardens
Verona Walk
Meadow Oaks
Virginia Gardens
Winter Beach
Graceville
Eagle Lake
Chuluota
Campbell
Lake Placid
Grenelefe
Atlantis
Eatonville
Olga
Zephyrhills North
El Portal
Belleair Bluffs
Apalachicola
Chiefland
Redington Shores
Boulevard Gardens
Monticello
Polk City
Mangonia Park
Trenton
Eastpoint and East Bronson
Pine Air
Haverhill
Dunnellon
Heritage Pines and Wallace
Malone
Sewall’s Point
Eglin AFB
Charlotte Park
Grove City
Cross City
Homosassa
Sneads
East Palatka
Burnt Store Marina
Tavernier
Pine Island Center
Pine Ridge CDP
Williston Highlands
Zolfo Springs and Bear Creek
Lake Butler city
Gotha
Punta Rassa
Cudjoe Key
Taft
Hill ‘n Dale
Fort Denaud
Hawthorne
Glencoe
Quail Ridge
Oriole Beach
Lake Mary Jane
Wabasso Beach
Lacoochee
Oak Hill
Crooked Lake Park
Silver Lake
Roseland
Astatula
Weeki Wachee Gardens
Christmas
Havana
Keystone Heights
Baldwin
Holley
Key Vista
Buckhead Ridge
Pierson
Interlachen
Harlem Heights
Crescent City
Belleair Beach
Washington Park
Century
Lake Hamilton
Montverde
Ocean Ridge
Plantation Mobile Home Park
Redington Beach
Astor
Mexico Beach
Hillsboro Beach
Patrick AFB
Midway CDP
Inglis
North DeLand
North Redington Beach
Kenwood Estates
South Palm Beach
Babson Park
Cypress Quarters
Gretna and Black Hammock
Indian Shores
Bokeelia
Palmona Park
Gun Club Estates
Callahan
Schall Circle
Limestone Creek
Howey-in-the-Hills
Palm Shores
Paisley
Black Diamond
Archer and Tildenville
Five Points
Molino
Palm Beach Shores
St. Leo
San Antonio
Medley
Manasota Key
Pomona Park
Allentown
Franklin Park
Yalaha
Panacea
Center Hill
Anna Maria
North Key Largo
Crescent Beach
Navarre Beach
Mayo
Crystal Springs
Fanning Springs
DeLand Southwest
Bristol
Bradenton Beach
Lawtey
Grand Ridge
Shalimar
Rio, Greenville, and Briny Breezes
Juno Ridge
Hastings
Masaryktown
Chumuckla
Lake Kathryn
Homestead Base
Bronson
White Springs
Altha
Webster
Hosford
Greenwood
Waverly
Steinhatchee
Fort White
Cottondale
Jupiter Island
Gulf Stream
Waldo
St. Lucie Village
Reddick
Melbourne Village
St. George Island
Duck Key
Cedar Key
Vernon
Pioneer and Garden Grove
Solana
Matlacha
Stacey Street
Branford
Paxton and Wabasso
Key Colony Beach
Harold
Wiscon
Seville
East Williston
Greensboro
Golden Beach
Glen St. Mary
Welaka and Lemon Grove
Pine Lakes
Jennings
Lake Mack-Forest Hills and Sorrento
Andrews
Worthington Springs
Penney Farms
Canal Point
Alford
Roeville
Micanopy
Sea Ranch Lakes
Yankeetown
Spring Lake
Bell
Paradise Heights
Laurel Hill
Ferndale
Ponce de Leon
Hillsboro Pines and Avalon
Lee
Page Park
Brownsdale
Hampton
Raleigh
Spring Ridge
Beverly Beach
Acacia Villas
Wausau
Coleman
Garcon Point
Sopchoppy
Jupiter Inlet Colony
Brooker
Jay
Bradley Junction
Trilby
Matlacha Isles-Matlacha Shores
McIntosh
Orchid
Plantation Island
La Crosse
Esto
Berrydale
Cinco Bayou
Westville
Lake Mystic
Lake Hart
Wacissa
Yeehaw Junction
Mulat
Pineland
Ebro
Jacob City
Lisbon
Manalapan
Homeland
Floridatown
Whitfield CDP
Sumatra
Windsor
Charleston Park
Pittman
Ocean Breeze Park
Gardner
Noma and Hillcrest Heights
Cloud Lake and Everglades
Golf
Istachatta
Pine Level
Waukeenah
Mount Carmel, Highland Park, and St. Marks
Campbellton
Goodland
Ona
Captiva
Glen Ridge
Caryville
Nobleton
Day
Munson
Fort Green
Raiford
Lamont
Dixonville
Limestone
Fidelis and Aucilla
Springhill
Lloyd
Okahumpka
Fort Green Springs
Horseshoe Beach
Layton
Aripeka
Otter Creek
Altoona
Belleair Shore
Bascom
Fisher Island
Chokoloskee
Morriston
Bayport
Dickerson City and Bay Lake
Indian Creek
Lazy Lake
Lake Harbor
Lake Lindsey
Pine Island
Marineland
Cobbtown
Lake Buena Vista
