Our training objectives are to help each of our clients achieve the best combination of interest rate, mortgage terms, and low home loan closing fees for a Florida purchase or refinance home loans. If you still have questions use ourÂ quick applicationÂ to learn more!
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As aÂ JACKSONVILLEÂ Florida Mortgage LenderÂ we also provide:
We're a localÂ JACKSONVILLEÂ FL FHA Mortgage Lender that has money to lend. Fill ourÂ quick applicationÂ to find out more about the manyÂ JACKSONVILLEÂ Florida FHA home loan programs.
FIRST TIME HOMEBUYERS AND MOVING UP HOMEBUYERS FIND THAT FHA HOME LOANS HAVE KEY ADVANTAGES INCLUDING:
EASIER QUALIFICATION-Â The FHA loan insuresÂ JACKSONVILLEÂ Florida FHA mortgage lenders against loss for FHA loans made to properly qualifiedÂ JACKSONVILLEÂ FL FHA home loan applicants. Most HORSESHOE BEACHFL home buyers will find it easier to qualify with an FHA loan compared to any other Florida home loan programs.
MINIMAL DOWNPAYMENT-Â FHA mortgages work with the smallest down payment of all Florida home loan programs. The FHA downpayment can come from a family member, charity, or your employer. Although the FHA loan does not have a zero down mortgage option yet, you will find that our experiencedÂ JACKSONVILLEÂ FL FHAÂ mortgage professionals can point you to the manyÂ Florida FHA Down Payment assistance programsÂ thatÂ work well with FHA home loans.
LESS THAN PERFECT CREDIT IS OK- The FHA home loan program exists to expand the pool of qualifiedÂ JACKSONVILLEÂ FL home buyers. EvenÂ JACKSONVILLEÂ FL FHA loan applicantsÂ no credit score scoreÂ or even prior bankruptcies and foreclosures with late mortgage payments get approved every day for FHA home loans to buy orÂ RefinanceÂ a home inÂ JACKSONVILLEÂ FL. The FHA loan program uses credit quality, not credit score!
LOWER COST OVER THE LIFE OF THE LOAN- The FHA home loan rates are extremely competitive. FHA's lower risk to that FHA mortgage means a lower interest rate forÂ JACKSONVILLEÂ FL home buyers and homeowners.
SAFEGUARDS FOR HOMEOWNERS THAT GET BEHIND-The FHA home loan givesÂ JACKSONVILLEÂ FL FHA mortgage lenders more options for helping homeowners who fall behind get current again: special forbearance, workouts, even free FHA mortgage counseling.Â Furthermore,Â HUDÂ allows Florida FHA mortgage lenders to take past due payments and move them to the end of the FHA loan and in some instance will actually pay your past due paymentsÂ for you. Options to save yourÂ JACKSONVILLEÂ FL home from foreclosure that you'll never get from a conventional loan! In an uncertain world, this is another excellent reason for you to apply for an FHA mortgage.
PAYOFF/REFINACE FLORIDA LAND CONTRACTS-Â IfÂ youÂ are in the market for a Â Rent to own Florida homeÂ Â inÂ JACKSONVILLEÂ FloridaÂ by way ofÂ Florida land contract, Â seller financingÂ or contract for deed in Florida, FHA will allow thenewÂ owner financedÂ mortgage may be processed as a FHA purchase or FHA refinance.Â Â If all FHAÂ loan proceeds are used to pay the outstanding balance on a land contract the appropriate LTV ratio is applied to the lesser of the appraised value or total cost to acquire theÂ JACKSONVILLEÂ Florida home. Make sure you can document 12 months canceled checks, money orders etc to document your last 12 months payment history.
FHA MANUFACTUREDÂ HOME LOANS-Â FHA Loans are also available forÂ JACKSONVILLEÂ FL modular homes including single wide, double homes (with land) built after June 15thÂ 1976. Check out theÂ FHA manufactured home loan program.
FHA HOME LOANS ARE FULLY ASSUMABLE-Â WhenÂ you are ready to sell yourJACKSONVILLEÂ FL single family home, townhouseÂ orÂ condo, youÂ can offerÂ JACKSONVILLEÂ FL home buyers an FHA home loan! All FHA loans can be assumed by qualifiedÂ JACKSONVILLEÂ FL FHA loan applicants.
These are just a few of the many good reasons to apply for an FHA mortgage. The FHA loan program has evolved since it started in 1934 and now has options for HUD insured loans that fit a variety of differentÂ JACKSONVILLEÂ FL home buyer situations. We are a localÂ JACKSONVILLEÂ FL mortgage company that has money to lend. Fill ourÂ quick applicationÂ to find out more about the manyÂ JACKSONVILLEÂ FL FHA home loan programs.