www.Florida-Mortgage-Lenders.com 
All Information is subject to change without notice.

preview

Questions

911loan@gmail.com

 
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

CREDIT REQUIREMENTS Mobile top

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 

CALL NOW!

954-667-9110

Apply Now!

ST Petersburg FHA Florida Mortgage -  FHA Mortgage Lenders St Petersburg Florida

ST Petersburg FHA Florida Mortgage Lenders -  FHA Mortgage Lenders St Petersburg Florida

KEY POINTS TO THIS MORTGAGE PROGRAM

FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:

  • Down payment only 3.5% of the purchase price. 
  • Gifts from family or Grants for down payment assistance and closing costsOK! 
  • Seller can credit buyers up to 6% of sales price towards buyers costs. 
  • No reserves or future payments in account required.
  • FHA regulated closing costs. 

FHA MORTGAGE LOANS ARE EASY TO QUALIFY FOR:

FHA ALLOW'S HIGHER DEBT TO INCOME & EASIER JOB QUALIFYING

FLORIDA HOME BUYERS ASK EVERY DAY,

If the Minimum FHA Mortgage Credit Score is at or above 580+ the FHA mortgage applicant is eligible for 96.5% Financing. Our Minimum Credit Score for an FHA mortgage is 500. If the Minimum FHA Mortgage Credit Score is between 500 and 579, the FHA mortgage applicant is limited to a maximum loan-to-value (LTV) of 90 percent of the loan amount..

4 C’S LENDER REQUIRMENTS CHECKLIST

1-Collateral/FHA Approved Property Types Include- Single family homes, Townhomes, villas, 1-4 family multi Unit Homes, and  FHA Approved Condos!

2-FHA Minimum Cash/Down payment Or Equity- FHA 3.5% Down Payment Cash or 20% Equity/ 80% LTV for cash out or 96.75% Rate term Refinance- Verity the borrower has the down payment from acceptable source on a purchase or enough equity to cover payoffs and closing cost to include taxes insurance on a refinance.

3-FHA Minimum Credit 500+ Credit Score – Does the borrower have the minimum credit score to meet the loan program? Does the borrower have collections that have to be paid off that will reflect the cash needed to close? Do student loans that are deferred need to be added to the monthly obligations? Does the lender require %1 cumulative student loans or 5% of the cumulative collections accounts over +$2000 added back to the debt to income ratios.

4-Capacity-56.9% FHA Maximum-  Does the FHA mortgage applicants debt to income ratio meet the loan program requirements or no more debt than 56.9% of the total housing + all monthly payments reflected on the FHA mortgage applicants credit report. 

CATEGORY: FHA MORTGAGE GUIDELINES

Will Saint Petersburg FL FHA Mortgage Lenders Allow More Than 1 FHA Mortgage?

FHA mortgage lenders will not insure more than one Property as a Principal Residence for any FHA mortgage applicants, except as noted below. FHA mortgage lenders will not insure a Mortgage if it is determined that the transaction was designed to use FHA mortgage insurance as a vehicle for obtaining Investment Properties, even if the…

Read More

Saint Petersburg FL FHA Mortgage Lenders Cash Out and Rate Term Refinance

Saint Petersburg FL FHA Mortgage Lenders Rate Term Refinance Properties owned > 12 months: The subject property must be owner occupied for at least 12 months at the time of case number  assignment.  Properties owned < 12 months: The subject property must be owner occupied for the entire period of ownership at the time of case number assignment. …

Read More

Saint Petersburg FL FHA Mortgage Lenders Compensating Factors

FHA COMPENSATING FACTORS What are FHA compensating factors? (FHA compensating factors are the stronger elements of a credit application that it offsets something weaker in the application) but it’s more complicated than that. Different FHA Lenders manage the consideration of compensating factors in different ways. FHA’s written guidelines outline specific examples of what FHA compensating factors…

Read More

Saint Petersburg FL FHA Mortgage Lenders Manual Underwriting Approvals

 FHA Manual Underwrite Lenders Specifications  CREDIT SCORE RANGE MAXIMUM QUALIFYING RATIOS APPLICABLE GUIDELINE 500 – 579 ·31/43 ·Energy Efficient Homes may stretch ratios to 33/45 ·Max LTV 90% unless cash out (80%) ·No gifts ·No down payment assistance ·No streamlines ·One month in reserves for 1-2-unit Properties, three months in reserves for 3-4-unit properties (cannot be a…

Read More

Saint Petersburg FL FHA Mortgage Lenders Allow Non Occupant Co Borrowers

Saint Petersburg FL FHA Mortgage Lenders Non-Occupant co borrower 1-Unit properties only. Max mortgage is limited to 75% LTV unless non-occupying co- borrower’s meet FHA definition of ‘family member’. Seller cannot be non-occupant co-borrower. Non-occupant co-borrowers may be added to improve ratios. Non-occupant co-borrowers cannot be used to overcome or offset borrower’s derogatory credit. The non-occupying borrower arrangement…

Read More

Saint Petersburg FL FHA Mortgage Lenders Source Of Down Payment And Reserves

Assets Minimum cash investment from borrowers own funds and/or gift (no cash on hand allowed when borrower uses traditional banking sources and has traditional credit history). Any deposit 1 % and greater of the sales price must be sourced and seasoned. An aggregate of deposits 1 °/o and greater of the sales price must be…

Read More

Saint Petersburg FL FHA Mortgage Lenders Can Use Non Taxable Income To Qualify

Non-Taxable Income Nontaxable income such as Social Security, Pension, Workers Comp and Disability Retirement income may be grossed up 115%. Unacceptable Sources of Income Include: The following income sources are not acceptable for purposes of qualifying the borrower: Any unverified source of income, Income  Income  determined to be temporary or one-time in nature, Retained earnings…

Read More

Saint Petersburg FL FHA Mortgage Lenders Debt To Income Ratios

Debt Ratio – Loans with AUS Approve/Eligible – follow AUS decision. Credit scores of 640 and under and DTI greater than 43% regardless of AUS decision require explanation for derogatory credit and a VOR or rent free letter (if applicable). Manually underwritten loans with FICO score> 580 may exceed 31°/o/43°/o ratios with acceptable compensating factors…

Read More

Saint Petersburg FL FHA Mortgage Lenders Cash-Out Refinance Payment History

Saint Petersburg FL FHA Mortgage Lenders Mortgage/Rental History Payment History All Cash Out Refinance Transactions and Manually Underwritten Rate Term Refinance Transactions: No 30 Day late payments within the last 12 months of case number assignment. Rate and Term Refinance Transactions: AUS Accept – follow AUS.

Read More

Saint Petersburg FL FHA Mortgage Lenders Minimum Trade Line Requirement

Minimum Tradelines FHA mortgage applicants must have sufficient credit history to generate a valid FICO score, or FHA mortgage applicants must meet the non-traditional FHA mortgage lenders guidelines listed below. Generally, an acceptable credit history does not have late housing, installment debt or major derogatory revolving payments. Authorized tradelines are not acceptable for establishing a…

Read More

Saint Petersburg FL FHA Mortgage Lenders With Student Loans

How Do Saint Petersburg FL FHA Mortgage Lenders treat Student Loans? Student Loan Payments – Student loan(s) would be calculated as follows, regardless of the payment status. FHA mortgage lenders must use either the greater of: 1% of the outstanding balance on the loan; or the monthly payment reported on the FHA mortgage applicants  credit report; or the…

Read More

Saint Petersburg FL FHA Mortgage Lenders Approval With Disputed Accounts

Saint Petersburg FL FHA Mortgage Lenders Approval With Disputed Accounts derogatory accounts >= $1,000 cumulative must be downgraded to “Refer” manual underwrite. Medical and accounts resulting from identity and credit card theft or unauthorized use are excluded. A letter from the creditor, police report, etc. is required. Disputed non-derogatory accounts are excluded from the $1000 cumulative total which…

Read More

Saint Petersburg FL FHA Mortgage Lenders Approval With Loan Modifications

Saint Petersburg FL FHA Mortgage Lenders Approval After A Loan Modifications Saint Petersburg FL FHA Mortgage Lenders Automated Underwriting System required to follow guidance for acceptable mortgage history. Manual Underwrite -follow manual mortgage requirements (Ox30 for most recent 12 months and 2×30 for the most recent 24 months on the modified mortgage.) Payment history is evaluated based upon the modification agreement…

Read More

Saint Petersburg FL FHA Mortgage Lenders Qualifying Requirements After A Short Sale

FHA Mortgage Qualifying After A Short Sale Any Short Sale within three (3) years of the case assignment requires a manual underwrite. An FHA mortgage applicant who is in default at the time of short sale/restructure or pre-foreclosure or late on any mortgage or installment obligations within 12 months of the short sale is not…

Read More

Saint Petersburg FL FHA Mortgage Lenders After Foreclosure or Deed In Lieu of Foreclosure

What are the guidelines for FHA mortgage applicants with a previous foreclosure or deed-in-lieu of foreclosure? A FHA mortgage applicants is generally NOT eligible for a new FHA-insured mortgage if the Borrower had a foreclosure or a deed-in-lieu of foreclosure in the last 3 three-year period prior to the date of case number assignment. This…

Read More

Saint Petersburg FL FHA Mortgage Lenders DoNot Consider Timeshares A Housing Obligation

Is a foreclosure on a timeshare considered a mortgage foreclosure or installment loan?   A loan secured by an interest in a timeshare must be considered an Installment Loan and not a housing obligation, even in the event of a foreclosure.  For additional information see Handbook  4000.1 II.A.4.b.iv(I); II.A.5.a.iv(H) at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh  

Read More

Saint Petersburg FL FHA Mortgage Lenders With Judgements And Liens

Judgments/Liens All outstanding judgments and liens must be paid prior to or at closing except when the FHA mortgage applicant has an agreement with the creditor to make regular and timely payments. Copy of the agreement and a minimum of three (3) monthly scheduled payments prior to closing. This includes non-purchasing spouses and registered domestic…

Read More

Saint Petersburg FL FHA Mortgage Lenders Disputed Credit Accounts

How are disputed credit accounts considered with FHA mortgage lenders?   Disputed Derogatory Credit Account refers to disputed charge off accounts, disputed collection accounts, and disputed accounts with late payments in the last 24 months.   If the credit report indicates that the Borrower is disputing derogatory credit accounts, the Borrower must provide a letter of…

Read More

Saint Petersburg FL FHA Mortgage Lenders Approval With Collection Accounts

Saint Petersburg FL FHA Mortgage Lenders Approval W Collection Accounts Collections AUS Approve/Eligible – The Saint Petersburg FL FHA Mortgage Lenders Approval with Collection accounts must complete a capacity analysis off collection accounts with an aggregate balance>= $2,000. Non-purchasing spouse’s or registered domestic partner’s collections are included in the combined balances for community property states. Monthly payments must be included in…

Read More

Saint Petersburg FL FHA Mortgage Lenders Credit Score For FHA Mortgage Qualifying

Does FHA require a minimum credit score and how is it determined? The FHA mortgage applicant is not eligible for FHA-insured financing if the Minimum Credit Score  is less than 500. If the Minimum FHA Mortgage Credit Score is between 500 and 579, the FHA mortgage applicant is limited to a maximum loan-to-value (LTV) of…

Read More

Saint Petersburg FL FHA Mortgage Lenders For DACA Status Recipients

FHA to Permit DACA Status Recipients to Apply for FHA Insured Mortgages Effective January 19, 2021, the Federal Housing Administration (FHA) is permitting DACA FHA mortgage applicants classified under the “Deferred Action for Childhood Arrivals” program (DACA) with the U.S. Citizenship & Immigration Service (USCIS) and are legally permitted to work in the U.S. are…

Read More

Saint Petersburg FL FHA Mortgage Lenders While In Consumer Credit Counseling

How long do FHA mortgage require to qualify for an FHA mortgage after consumer Credit concealing?  Qualify for an FHA mortgage after consumer Credit counseling?  1 year of the pay-out has elapsed under the plan, borrower’s payment performance has been satisfactory with all required payments made timely and borrower has received written permission from the…

Read More

Saint Petersburg FL FHA Mortgage Lenders Approval After Bankruptcy

For Saint Petersburg FL FHA Mortgage Lenders Approval After Bankruptcy How does a bankruptcy affect a FHA mortgage applicants eligibility for an FHA mortgage? A Chapter 7 bankruptcy (liquidation) does not disqualify a FHA mortgage applicants  from obtaining an FHA-insured Mortgage if, at the time of case number assignment, at least 2 years have past since the date…

Read More

Saint Petersburg FL FHA Mortgage Lenders Lead Based Paint Disclosure

Lead based Paid Disclosure Required for Defective Paint Surfaces An automatic correction is required to all defective paint surfaces in or on structures and/or property improvements built before January 1, 1978. Contractors who perform the repair must be certified and must follow specific work practices to prevent lead contamination. A copy  of the EPA or…

Read More

Saint Petersburg FL FHA Mortgage Lenders To Purchase Foreclosures

FHA mortgage lenders require  FHA appraisals to be performed only by FHA licensed appraiser listed on the FHA roster. Obtain an “as-is” appraisal and the appraisal must be  HUD REO Appraisal and Property Requirements marked as “Insurable”. HU D’s Foreclosure REO appraisal may be available at no charge.  If the original HUD REO appraisal is…

Read More

Saint Petersburg FL FHA Mortgage Lenders For Homes For Sale Within 90 Days

Does FHA have requirements for homes sold within 90 days? Property Flipping is a practice whereby recently acquired property is resold for a considerable profit with an artificially inflated value Property Flipping refers to the purchase and resale of a property in a short period of time.  The eligibility of a property for a Mortgage…

Read More

Saint Petersburg FL FHA Mortgage Lenders For Manufactured Homes

Saint Petersburg FL FHA Mortgage Lenders For Manufactured Homes Saint Petersburg FL FHA Mortgage Lenders accepts manufactured homes permanently affixed to the foundation, built on or after June 15, 1976, and meet all Saint Petersburg FL FHA Mortgage Lenders For Manufactured Homes requirements. Single-wide manufactured homes are not eligible. Manufactured homes with acceptable alterations or additions must have marketability, “like” comparable, gross living area…

Read More

Saint Petersburg FL FHA Mortgage Lenders For Condos

FHA Condo Mortgage Lenders – Condo Saint Petersburg FL FHA Mortgage Lenders Must be current FHA-approved condominium complex and meet all HUD requirements (51 occupancy, 15% delinquencies). All condos  and attached PUD’s require 100% ‘walls-in’ H06 coverage. Stick-built site condos do not require FHA HRAP/DELRAP approval. Manufactured condos must have FHA HRAP approval. Where can I find the…

Read More

Saint Petersburg FL FHA Mortgage Lenders Ineligible Property Types

Ineligible Collateral -Saint Petersburg FL FHA Mortgage Lenders Ineligible Property Types to include some built before June 15, 1976 single wide Mobile homes, co-ops, Single-wide manufactured homes, houseboats, commercial or industrial zoned properties, mixed-use with residential building use less than 51%, properties encumbered with Property Assessed Clean Energy (PACE) or Home Energy Renovation Opportunity (HERO) obligations, State-approved medical…

Read More

Saint Petersburg FL FHA Mortgage Lenders Eligible Property Types

Owner Occupied Only Home Only To Include. 1-4 Units. Villas including FHA approved PUD’s, FHA approved condominiums projects, land contracts, FHA approved manufactured , modular homes (minimum double­  Eligible Collateral wide) that follow manufactured housing requirements below.

Read More

Saint Petersburg FL FHA Mortgage Lenders Maximum Loan Amounts

Saint Petersburg FL FHA Mortgage Lenders Maximum FHA mortgage amounts.  # of Units Lowest Maximum Floor for All FHA mortgage Amounts Highest Maximum Ceiling for All FHA mortgage Highest FHA Maximum Ceiling for all FHA.  1 Unit 356,362 548,250 822,375 2 Units 456,275 702,000 1,053,000 3 Units 551,500 848,500 1,272,750 4 Units 685,400 1,054,500 1,571,750 FHA Max Base…

Read More

Saint Petersburg FL FHA Mortgage Lenders Loan To Value Based On Credit Scores

Saint Petersburg FL FHA Mortgage Lenders to Purchase A home FHA MORTGAGE LENDERS PURCHASE MINIMUM FICO 500 =   90.00% 1-4 UNITS. PER FHA MAX COUNTY LIMITS FOR STANDARD PROGRAM. AUS Accept: Per AUS; Manual max Debt To Income Ratios:31%/43% Evaluated by **Saint Petersburg FL FHA Mortgage Lenders Automated Underwriting System** FHA MORTGAGE LENDERS MINIMUM FICO 580 =  96.50% 1-4 UNITS. PER…

Read More
Name License/
Expiration Date
Address
GEORGE O GOWER FLRD1232               
(Certified Residential) 
11-30-2016
GOWER GOHEEN REALTY, INC.
2331 4TH STREET N
SAINT PETERSBURG,  FL  337040000
FRANCOIS K GREGOIRE FLRD142                
(Certified Residential) 
11-30-2016
GREGOIRE & GREGOIRE, INC.
6285 25TH AVENUE NORTH
SAINT PETERSBURG,  FL  337100000
TERRENCE OWEN FLRD1642               
(Certified Residential) 
11-30-2016
1276 37TH AVENUE NE
SAINT PETERSBURG,  FL  337040000
MICHAEL J GRACE FLRD1830               
(Certified Residential) 
11-30-2016
GRACE APPRAISAL GROUP, INC.
8047 33RD AVE NO
SAINT PETERSBURG,  FL  337100000
ALBERT M THUT II FLRD1833               
(Certified Residential) 
11-30-2016
AMT APPRAISAL SERVICES, INC.
4560 53RD AVENUE NORTH
SAINT PETERSBURG,  FL  337140000
BRUCE R BJORKLUND FLRD2573               
(Certified Residential) 
11-30-2016
RECA OF CENTRAL FLORIDA
6965 21ST STREET N
SAINT PETERSBURG,  FL  337020000
MARSH L BILBY FLRD2608               
(Certified Residential) 
11-30-2016
MARSH BILBY APPRAISERS & CONSU
4165 13TH LANE NE
SAINT PETERSBURG,  FL  337030000
RALPH C NUGENT FLRD2787               
(Certified Residential) 
11-30-2016
RALPH C NUGENT
4157 14TH WAY NE
SAINT PETERSBURG,  FL  337030000
MICHAEL C BURKETT FLRD3258               
(Certified Residential) 
11-30-2016
8221 28TH AVENUE NORTH
SAINT PETERSBURG,  FL  337100000
RHONDA R LEVINE FLRD3260               
(Certified Residential) 
11-30-2016
BAY WEST APPRAISAL SVCS, INC.
441 21ST AVENUE NORTH
SAINT PETERSBURG,  FL  337040000
ROBERT J CARULLO FLRD3651               
(Certified Residential) 
11-30-2016
1036 7TH ST NORTH
SAINT PETERSBURG,  FL  337010000
MARTEN W DAVIS FLRD3691               
(Certified Residential) 
11-30-2016
GULF BAY APPRAISALS
6291 BAHIA DEL MARL CL #104
SAINT PETERSBURG,  FL  337150000
THOMAS A CUSHMAN FLRD3932               
(Certified Residential) 
11-30-2016
THOMAS CUSHMAN
PO BOX 40697
SAINT PETERSBURG,  FL  337430000
BRIAN A MILLER FLRD3961               
(Certified Residential) 
11-30-2016
ENTREKEN ASSOCIATES, INC.
1100 16TH ST N
SAINT PETERSBURG,  FL  337050000
MICHAEL C SANTELLA FLRD4041               
(Certified Residential) 
11-30-2016
FLORIDA STATE APPRAISALS
PO BOX 13781
SAINT PETERSBURG,  FL  337330000
TIMOTHY J JABLONSKI FLRD4064               
(Certified Residential) 
11-30-2016
ADVANTAGE APPRAISAL GROUP
6410 3RD PALM POINT
SAINT PETERSBURG,  FL  337060000
KIMBERLY A BJURMARK FLRD4118               
(Certified Residential) 
11-30-2016
1137 EDEN ISLE DRIVE NE
SAINT PETERSBURG,  FL  337040000
JULIE F ROAHRIG FLRD4307               
(Certified Residential) 
11-30-2016
ENTREKEN ASSOCIATES
1100 16TH STREET N
SAINT PETERSBURG,  FL  337050000
VINCENT ROSS FLRD4496               
(Certified Residential) 
11-30-2016
BAYQUEST REALTY LLC
1077 54TH AVE S
SAINT PETERSBURG,  FL  337050000
RICHARD E CLARK FLRD4754               
(Certified Residential) 
11-30-2016
RICK CLARK APPRAISAL SERVICES
413 49TH STREET NORTH
SAINT PETERSBURG,  FL  337100000
ANTHONY B D'ORAZIO FLRD5352               
(Certified Residential) 
11-30-2016
ANTHONY D
470 3RD ST ST #415
SAINT PETERSBURG,  FL  337010000
STACY B ROGERS FLRD5393               
(Certified Residential) 
11-30-2016
SUN COAST APPRAISAL SERVICES
740 13TH AVE N
SAINT PETERSBURG,  FL  337010000
JOHN B HUSTON FLRD6006               
(Certified Residential) 
11-30-2016
LAS PALMS APPRAISAL
1005 25TH AVENUE N
SAINT PETERSBURG,  FL  337040000
KARL A TERRAZAS FLRD6025               
(Certified Residential) 
11-30-2016
ARC APPRAISALS
1743 22ND AVE N
SAINT PETERSBURG,  FL  337130000
JAMES T MARSTON FLRD6044               
(Certified Residential) 
11-30-2016
RICK CLARK APPRAISAL SERVICES
413 49TH STREET NORTH
SAINT PETERSBURG,  FL  337100000
JAMES T EARLE II FLRD624                
(Certified Residential) 
11-30-2016
EARLE & ASSOCIATES
4130 16TH ST. NO., SUITE A
SAINT PETERSBURG,  FL  337030000
MICHAEL T MOLITERNO FLRD6315               
(Certified Residential) 
11-30-2016
MICHAEL THOMAS GROUP, INC.
11745 7TH WAY N. #3
SAINT PETERSBURG,  FL  337160000
LEIGH E LOHWASSER FLRD6364               
(Certified Residential) 
11-30-2016
101 87TH AVE. N.
SAINT PETERSBURG,  FL  337020000
STACIA L LUKE FLRD6394               
(Certified Residential) 
11-30-2016
ENTREKEN ASSOCIATES, INC.
1100 16TH ST. N.
SAINT PETERSBURG,  FL  337050000
STEPHEN C LARSON FLRD6410               
(Certified Residential) 
11-30-2016
APPRAISAL ASSET GROUP, LLC
POST OFFICE BOX 21415
SAINT PETERSBURG,  FL  337420000
ERNEST A FERRO JR FLRD7586               
(Certified Residential) 
11-30-2016
APPRAISAL EXCHANGE LLC
PO BOX 22963
SAINT PETERSBURG,  FL  337420000
BRIAN N MCMAHON FLRD7610               
(Certified Residential) 
11-30-2016
BNM APPRAISAL, INC
5029 29TH AVE N
SAINT PETERSBURG,  FL  33710000
    1. Searches related to www.florida-mortgage-lenders.com Clearwater, FL

      BAD CREDIT FLORIDA FHA MORTGAGE GUIDELINES
      BASIC FLORIDA FHA MORTGAGE PROGRAM INFORMATION
      CHAPTER 13 FHA MORTGAGE
      FHA BAD CREDIT FLORIDA HOME LOANS
      FHA MORTGAGE INSURANCE MAKES IT EASY TO REFINANCE A FLORIDA HOME
      FHA STREAMLINE REFINANCE FLORIDA MORTGAGE
      FLORIDA FHA HOME LOAN
      FLORIDA FHA MORTGAGE
      FLORIDA FHA MORTGAGE CREDIT REQUIREMENTS
      FLORIDA FHA MORTGAGE LENDERS PROVIDE MORE OPTIONS
      FLORIDA FHA MORTGAGE QUALIFYING SUMMARY
      FLORIDA FHA MORTGAGE-TAKE A LOOK!!
      FLORIDA FHA OR VA STREAMLINE REFINANCE
      MIAMI DADE DOWN PAYMENT ASSISTANCE
      OFFERING FLORIDA FHA MORTGAGE LOANS
      WHATS FHA MINIMUM CREDIT SCORE IN 2013?
      WHY AN FHA MORTGAGE OVER OTHER FLORIDA MORTGAGE OPTIONS?
      WHY DO FLORIDA HOME BUYERS FIND FHA LOANS ARE SO GREAT?

    2. Providing 
      St. Petersburg Florida and all Florida areas including : Belleair BeachBelleair BluffsClearwaterDunedinCurlew,Bear CreekEast LakeFeather Sound,GandyGreenbriarHarbor BluffsHighpointInnisbrookLealmanOakhurstOzonaPalm HarborRidgecrestSt. GeorgeSeminole ParkSouth HighpointTierra VerdeWall SpringsWalsinghamWest LealmanGulfportIndian Rocks BeachLargo,  Madeira Beach,  Oldsmar,  Pinellas Park,  Safety Harbor,  Seminole,  South Pasadena,  St. Pete BeachSt. Petersburg,  Tarpon Springs,  Treasure IslandBelleairBelleair ShoreIndian ShoresKenneth CityNorth Redington BeachRedington BeachRedington ShoresBardmoor ,Baskin,Bay PinesCrystal Beach

Apply Now

Questions

911loan@gmail.com

 
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 "
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

MINIMUM CREDIT SCORE

PORTFOLIO MORTGAGE

NO MIN FICO SCORE 

NO TAX RETURN PROGRAMS

550 MIN FICO

FHA/VA MORTGAGE

500 MIN FICO

CONVENTIONAL

620 MIN FICO

CALL NOW!

954-667-9110

Apply Now!

All Information Subject To Change Without Notice and should not be relied on for decision making.