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CREDIT REQUIREMENTS Mobile top

FHA MORTGAGE

550 MIN FICO

PORTFOLIO MORTGAGE

NO MINIMUM

VA MORTGAGE

550 MIN FICO SCORE 

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580 MIN FICO SCORE 

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 3.5% MIAMI FLORIDA FHA MORTGAGE LENDERS
Miami Florida home buyers can now purchase or refinance a home using bank statement only for income-qualifying!

3.5% MIAMI FLORIDA FHA MORTGAGE LENDERS

  FHA Mortgage Lenders

MIAMI FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWN PAYMENT AND CLOSING FEES:

• Miami 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.

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

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

MIAMI 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.

Miami Florida FHA Mortgage Lenders  Compensating Factors

 loan911  Guidelines FHA Mortgages  January 24, 2021  Comments Off

on Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  Manual Underwriting Approvals

 loan911  Guidelines FHA Mortgages  January 24, 2021  Comments Off

on Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  Allow Non Occupant Co Borrowers

 loan911  Guidelines FHA Mortgages  January 24, 2021  Comments Off

on Miami Florida FHA Mortgage Lenders  Allow Non Occupant Co Borrowers

Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  Source Of Down Payment And Reserves

 loan911  Guidelines FHA Mortgages  January 24, 2021  Comments Off

on Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  Can Use Non Taxable Income To Qualify

 loan911  Guidelines FHA Mortgages  January 24, 2021  Comments Off

on Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  Debt To Income Ratios

 loan911  Guidelines FHA Mortgages  January 24, 2021  Comments Off

on Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  Cash-Out Refinance Payment History

 loan911  Guidelines FHA Mortgages  January 24, 2021  Comments Off

on Miami Florida FHA Mortgage Lenders  Cash-Out Refinance Payment History

Miami Florida 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.

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Miami Florida FHA Mortgage Lenders  Minimum Trade Line Requirement

 loan911  Guidelines FHA Mortgages  January 24, 2021  Comments Off

on Miami Florida 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 Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  With Student Loans

 loan911  Guidelines FHA Mortgages  January 24, 2021  Comments Off

on Miami Florida FHA Mortgage Lenders  With Student Loans

How Do Miami Florida FHA Mortgage Lenders  treat Student Loans? Student Loan Payments – Student loan(s) would be calculated as follows, regardless of the payment status. Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  Approval With Disputed Accounts

 loan911  Guidelines FHA Mortgages  January 24, 2021  Comments Off

on Miami Florida FHA Mortgage Lenders  Approval With Disputed Accounts

Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  Approval With Loan Modifications

 loan911  Guidelines FHA Mortgages  January 24, 2021  Comments Off

on Miami Florida FHA Mortgage Lenders  Approval With Loan Modifications

Miami Florida FHA Mortgage Lenders  Approval After A Loan Modifications Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  Qualifying Requirements After A Short Sale

 loan911  Guidelines FHA Mortgages  January 23, 2021  Comments Off

on Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  After Foreclosure or Deed In Lieu of Foreclosure

 loan911  Guidelines FHA Mortgages  January 23, 2021  Comments Off

on Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  DoNot Consider Timeshares A Housing Obligation

 loan911  Guidelines FHA Mortgages  January 23, 2021  Comments Off

on Miami Florida 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  

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Miami Florida FHA Mortgage Lenders  With Judgements And Liens

 loan911  Guidelines FHA Mortgages  January 23, 2021  Comments Off

on Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  Disputed Credit Accounts

 loan911  Guidelines FHA Mortgages  January 23, 2021  Comments Off

on Miami Florida FHA Mortgage Lenders  Disputed Credit Accounts

How are disputed credit accounts considered with Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  Approval With Collection Accounts

 loan911  Guidelines FHA Mortgages  January 23, 2021  Comments Off

on Miami Florida FHA Mortgage Lenders  Approval With Collection Accounts

Miami Florida FHA Mortgage Lenders  Approval W Collection Accounts Collections AUS Approve/Eligible – The Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  Credit Score For FHA Mortgage Qualifying

 loan911  Guidelines FHA Mortgages  January 23, 2021  Comments Off

on Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  For DACA Status Recipients

 loan911  Guidelines FHA Mortgages  January 23, 2021  Comments Off

on Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  While In Consumer Credit Counseling

 loan911  Guidelines FHA Mortgages  January 23, 2021  Comments Off

on Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  Approval After Bankruptcy

 loan911  Guidelines FHA Mortgages  January 23, 2021  Comments Off

on Miami Florida FHA Mortgage Lenders  Approval After Bankruptcy

For Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  Lead Based Paint Disclosure

 loan911  Guidelines FHA Mortgages  January 23, 2021  Comments Off

on Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  To Purchase Foreclosures

 loan911  Guidelines FHA Mortgages  January 23, 2021  Comments Off

on Miami Florida FHA Mortgage Lenders  To Purchase Foreclosures

Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  For Homes For Sale Within 90 Days

 loan911  Guidelines FHA Mortgages  January 23, 2021  Comments Off

on Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  For Manufactured Homes

 loan911  Guidelines FHA Mortgages  January 23, 2021  Comments Off

on Miami Florida FHA Mortgage Lenders  For Manufactured Homes

Miami Florida FHA Mortgage Lenders  For Manufactured Homes Miami Florida FHA Mortgage Lenders  accepts manufactured homes permanently affixed to the foundation, built on or after June 15, 1976, and meet all Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  For Condos

 loan911  Guidelines FHA Mortgages  January 23, 2021  Comments Off

on Miami Florida FHA Mortgage Lenders  For Condos

FHA Condo Mortgage Lenders – Condo Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  Ineligible Property Types

 loan911  Guidelines FHA Mortgages  January 23, 2021  Comments Off

on Miami Florida FHA Mortgage Lenders  Ineligible Property Types

Ineligible Collateral -Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  Eligible Property Types

 loan911  Guidelines FHA Mortgages  January 23, 2021  Comments Off

on Miami Florida 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.

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Miami Florida FHA Mortgage Lenders  Maximum Loan Amounts

 loan911  Guidelines FHA Mortgages  January 23, 2021  Comments Off

on Miami Florida FHA Mortgage Lenders  Maximum Loan Amounts

Miami Florida 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…

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Miami Florida FHA Mortgage Lenders  Loan To Value Based On Credit Scores

 loan911  Guidelines FHA Mortgages  January 22, 2021  Comments Off

on Miami Florida FHA Mortgage Lenders  Loan To Value Based On Credit Scores

Miami Florida FHA Mortgage Lenders  to Purchase A home Miami Florida 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 **Miami Florida FHA Mortgage Lenders  Automated Underwriting System** Miami Florida FHA Mortgage Lenders  MINIMUM FICO 580 =  96.50% 1-4 UNITS. PER…

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

POPULAR MIAMI FLORIDA MORTGAGE INFO LINKS

MIAMI FLORIDA:

Miami is a city located on the Atlantic coast in southeastern Florida and the county seat of Miami-Dade County. The 44th most populated city proper in the United States, with a population of 417,650, it is the principal, central, and most populous city of the Miami metropolitan area, and the most populous metropolis in the Southeastern United States after Washington, D.C

 

CATEGORY: GUIDELINES FHA MORTGAGES
Miami Florida FHA Mortgage Lenders  New Information

MIAMI FLORIDA FHA APPRIASERS:

The following list of Miami 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 Miami Florida.

Name

License/
Expiration Date

Address

JULIO A ALVAREZ

COCR100036819          
(Certified Residential) 
12-31-2017

JULIO ALVAREZ
4666 SW 159TH COURT
MIAMI,  FL  331850000

JULIO HERNANDEZ III

FLRD1021               
(Certified Residential) 
11-30-2016

WEST POINT APPRA. & REALTY SER
6847 SW 13 ST
MIAMI,  FL  331440000

STUART D PERLMAN

FLRD1111               
(Certified Residential) 
11-30-2016

4345 SW 72ND AVE
MIAMI,  FL  331550000

WANDA CARPENTER

FLRD1246               
(Certified Residential) 
11-30-2016

SUPERIOR APPRAISAL SVCS., INC
14985 S.W. 108 TERRACE
MIAMI,  FL  331960000

JOSE R GALIS MENENDEZ JR

FLRD1266               
(Certified Residential) 
11-30-2016

11401 SW 131 AVE
MIAMI,  FL  331860000

FIDEL PETISCO

FLRD1366               
(Certified Residential) 
11-30-2016

ALLIANCE APPRAISAL CORP.
6447 MIAMI LAKES DR., STE. 211
MIAMI LAKES,  FL  330140000

ARMANDO DE ZAYAS

FLRD1370               
(Certified Residential) 
11-30-2016

SO FL CERTIFIED APPRAISER
10470 SW 124 ST
MIAMI,  FL  331760000

SHARON DEL VALLE

FLRD1430               
(Certified Residential) 
11-30-2016

8140 NW 155 STREET, STE. 201
MIAMI LAKES,  FL  330160000

WILLIAM K GRIFFITH

FLRD1480               
(Certified Residential) 
11-30-2016

8525 NW 53 TERRACE STE 110
MIAMI,  FL  331660000

OCTAVIO MASSES VALERA

FLRD1495               
(Certified Residential) 
11-30-2016

PO BOX 442611
MIAMI,  FL  331440000

JONATHAN M SISMAN

FLRD1497               
(Certified Residential) 
11-30-2016

LENDER
2874 NW 79 AVENE
MIAMI,  FL  331220000

P. A ROSENBERG

FLRD1500               
(Certified Residential) 
11-30-2016

540 NW 165 STREET RD., #201
MIAMI,  FL  331690000

DAVID B YEOMANS JR

FLRD152                
(Certified Residential) 
11-30-2016

INTEGRA - MIAMI
9400 S DADELAND BLVD., PH1
MIAMI,  FL  331560000

JOSE GALIS MENENDEZ

FLRD1534               
(Certified Residential) 
11-30-2016

1925 BRICKELL AVE APT D501
MIAMI,  FL  331290000

ROBERTO L OJEDA

FLRD1595               
(Certified Residential) 
11-30-2016

DEPENDABLE APPRAISAL & REALTY
17181 SW 146 COURT
MIAMI,  FL  331770000

ANGEL E COBO

FLRD1598               
(Certified Residential) 
11-30-2016

ANGEL COBO
P.O. BOX 560086
MIAMI,  FL  332560000

JOHN W AUSTIN

FLRD170                
(Certified Residential) 
11-30-2016

8811 SW 132 PLACE # 102
MIAMI,  FL  388160000

FRANSICO C BROMFIELD

FLRD1701               
(Certified Residential) 
11-30-2016

15446 SW 147 ST
MIAMI,  FL  331960000

GEORGE C JALIL

FLRD175                
(Certified Residential) 
11-30-2016

TCA APPRAISERS, INC.
8940 SW 96TH ST
MIAMI,  FL  331760000

BARBARA EXPOSITO

FLRD1806               
(Certified Residential) 
11-30-2016

13461 SW 98TH PLACE
MIAMI,  FL  331760000

KENNETH A WEEKS

FLRD1811               
(Certified Residential) 
11-30-2016

FIRST APPRAISAL
13207 S.W. 87 TERRACE
MIAMI,  FL  331830000

PAUL A MUXO

FLRD1846               
(Certified Residential) 
11-30-2016

SOUTH FLORIDA APPRAISAL SOURCE
1836 SW 143 COURT
MIAMI,  FL  331750000

JOSEPH R HICKSON III

FLRD199                
(Certified Residential) 
11-30-2016

P.O. BOX 561121
MIAMI,  FL  332560000

ELINA M GONZALEZ

FLRD2010               
(Certified Residential) 
11-30-2016

HI-TECH APPRAISALS INC.
9320 FONTAINEBLEAU BLVD #B601
MIAMI,  FL  331720000

FERNANDO RIVEIRO

FLRD2042               
(Certified Residential) 
11-30-2016

CMA APPRAISAL SERVICES INC.
7900 NW 155TH STREET, #101
MIAMI LAKES,  FL  330160000

JUAN J BADELL

FLRD2111               
(Certified Residential) 
11-30-2016

9601 SW 103 AVENUE
MIAMI,  FL  331760000

MICHELE M MORRIS

FLRD2191               
(Certified Residential) 
11-30-2016

MICHELE MORRIS
PO BOX 565962
MIAMI,  FL  332560000

NICOLAS R ONDARZA

FLRD2221               
(Certified Residential) 
11-30-2016

NRO & ASSOCIATES, INC.
7225 SW 15 ST
MIAMI,  FL  331440000

KAREN J MUNI

FLRD228                
(Certified Residential) 
11-30-2016

INVESTORS APPRAISAL SERVICE
4940 SW 92 AVE
MIAMI,  FL  331650000

BRUCE B GOLDMAN

FLRD2303               
(Certified Residential) 
11-30-2016

8820 SW 191 ST
MIAMI,  FL  331570000

RANDALL O KING

FLRD232                
(Certified Residential) 
11-30-2016

11140 SW 71 AVE
MIAMI,  FL  331560000

SUSAN B ALTERS

FLRD234                
(Certified Residential) 
11-30-2016

ALTERS APPRAISAL SERVICES
10190 SW 99 AVENUE
MIAMI,  FL  331760000

CONNIE NAPPIER III

FLRD2360               
(Certified Residential) 
11-30-2016

1393 SW 1 ST. SUITE 205
MIAMI,  FL  331350000

LOUIS J ROMANO JR

FLRD2366               
(Certified Residential) 
11-30-2016

LEGACY REPORTS, LLC
628 NE 70TH STREET
MIAMI,  FL  331380000

OSCAR A LOPEZ

FLRD2387               
(Certified Residential) 
11-30-2016

APPRAISAL CENTER OF S/E FL
15263 SW 141 ST
MIAMI,  FL  331960000

DENNIS SHERMAN

FLRD241                
(Certified Residential) 
11-30-2016

DENNIS SHERMAN
1282 NE 191ST STREET
MIAMI,  FL  331790000

RICHARD E DICKSON

FLRD2421               
(Certified Residential) 
11-30-2016

3115 GIFFORD LANE
MIAMI,  FL  331330000

STEPHEN M PEREZ

FLRD2496               
(Certified Residential) 
11-30-2016

DURHAM APPRAISAL SVCS., INC.
12154 SW 131 AVENUE
MIAMI,  FL  331860000

GEORGINA ZAYAS-MARRERO

FLRD2593               
(Certified Residential) 
11-30-2016

WELLS FARGO
1900 SW 82 PL
MIAMI,  FL  331550000

MARK H ADLER

FLRD2607               
(Certified Residential) 
11-30-2016

MARK ADLER
2000 TOWERSIDE TERRACE #1703
MIAMI SHORES,  FL  331380000

RICHARD BELZ

FLRD269                
(Certified Residential) 
11-30-2016

8390 NW 53 STREET, STE 201
MIAMI,  FL  331660000

DANIEL I BRIZUELA

FLRD2704               
(Certified Residential) 
11-30-2016

DANIEL BRIZUELA APPRAISALS
8520 SW 29 STREET
MIAMI,  FL  331550000

MIGUEL MUELLE

FLRD2729               
(Certified Residential) 
11-30-2016

RELIANCE APPRAISALS & SERVICES
P.O.BOX 560305
MIAMI,  FL  332560000

LARRY A SHANE

FLRD2748               
(Certified Residential) 
11-30-2016

L.A. SHANE & ASSOCIATES
9455 SW 53RD STREET
MIAMI,  FL  331650000

GARY R TWIST

FLRD2750               
(Certified Residential) 
11-30-2016

PRIORITY APPRAISALS, INC.
777 ARTHUR GODFREY ROAD
MIAMI BEACH,  FL  331400000

ANGEL A BARRIONUEVO

FLRD2755               
(Certified Residential) 
11-30-2016

15264 SW 169 LANE
MIAMI,  FL  331870000

ANTHONY ROSALES

FLRD2767               
(Certified Residential) 
11-30-2016

ASSOCIATED APPRAISERS, INC.
3653 SW 150 COURT
MIAMI,  FL  331850000

JEFFREY A MUSCOLINO

FLRD2900               
(Certified Residential) 
11-30-2016

THE APPRAISAL SERVICE CENTER
14303 SW 161 STREET
MIAMI,  FL  331770000

MARY K WATERS

FLRD2905               
(Certified Residential) 
11-30-2016

CROWN BRANCH INC
P. O. BOX 700045
MIAMI,  FL  331700000

FRANK J COBO

FLRD2925               
(Certified Residential) 
11-30-2016

8590 SW 126TH TERRACE
MIAMI,  FL  331560000

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About the City of Miami

The Miami area was inhabited for thousands of years by indigenous cultures. The Tequestas occupied the area for a thousand years before encountering Europeans. An Indian village of hundreds of people dating to 500-600 B.C. was located at the mouth of the Miami River.
The main portion of the city lies on the shores of Biscayne Bay which contains several hundred natural and artificially created barrier islands, the largest of which contains Miami Beach and South Beach. The Gulf Stream, a warm ocean current, runs northward just 15 miles (24 km) off the coast, allowing the city's climate to stay warm and mild all year.
As of 2010, there were 183,994 households of which 14.0% were vacant. As of 2000, 26.3% had children under the age of 18 living with them, 36.6% were married couples living together, 18.7% have a female head of household with no husband present, and 37.9% were non-families. 30.4% of all households were made up of individuals and 12.5% had someone living alone who was 65 years of age or older. The average household size was 2.61 and the average family size was 3.25.

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