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As a PALM HARBOR FL FHA mortgage lender we provide FHA home loans to purchase or FHA Refinance single family homes, FHA approved condos and town homes in PALM HARBOR FL. PALM HARBOR FL clientel will find here are many advantages to using the FHA home loan including:
Our training objectives are to help each of our clients achieve the best combination of interest rate, FHA mortgage terms, and low home loan closing fees for a purchase or refinance of FHA home loans. If you still have questions use our Quick Application to learn more! Or
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As a PALM HARBOR Mortgage Lender we also provide:
We are a local PALM HARBOR FL FHA Mortgage Lender that has money to lend. Fill our quick application to find out more about the many PALM HARBOR Florida home loan programs.
FIRST TIME HOMEBUYERS AND MOVING UP HOMEBUYERS FIND THAT FHA HOME LOANS HAVE KEY ADVANTAGES INCLUDING:
EASIER QUALIFICATION- The FHA loan insures PALM HARBOR Florida FHA mortgage lenders against loss for FHA loans made to properly qualified PALM HARBOR loan applicants. Most PALM HARBOR FL home buyers will find it easier to qualify with an FHA loan compared to other Florida home loan programs.
MINIMAL DOWNPAYMENT- 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 OZONA FL FHA mortgage professionals can point you to the many Florida FHA Down Payment assistance programs that work well with FHA home loans.
LESS THAN PERFECT CREDIT IS OK- The FHA home loan program exists to expand the pool of qualified PALM HARBOR FL home buyers. Even PALM HARBOR FL loan applicants no credit score score or even prior bankruptcies and foreclosures with late mortgage payments get approved every day for FHA home loans to buy or Refinance a in PALM HARBOR 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 for PALM HARBOR FL home buyers and homeowners.
SAFEGUARDS FOR HOMEOWNERS THAT GET BEHIND-The FHA home loan gives PALM HARBOR FL FHA mortgage lenders more options for helping homeowners who fall behind get current again: special forbearance, workouts, even free FHA mortgage counseling. Furthermore, HUD PALM HARBOR 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 payments for you. Thes foreclosure prevention will help you save your PALM HARBOR FL home from foreclosure in tough times! In an uncertain world, this is another excellent reason for you to apply for an FHA mortgage.
PAYOFF/REFINACE FLORIDA LAND CONTRACTS- If you are in the market for aRent to own Florida homes for sale in PALM HARBOR Florida by way of Florida land contract, seller financing or contract for deed, FHA will allow the new owner financed mortgage to be processed as a FHA purchase or FHA refinance. If all FHA 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 the PALM HARBOR Florida home. Make sure you can document 12 months canceled checks, money orders etc to document your last 12 months payment history.
FHA MANUFACTURED HOME LOANS- FHA Loans are also available for PALM HARBOR FL modular homes including single wide, double homes (with land) built after June 15th 1976. Check out the FHA manufactured home loan program.
FHA HOME LOANS ARE FULLY ASSUMABLE- When you are ready to sell PALM HARBOR FL single family home, townhouse or condo, you can PALM HARBOR FL home buyers an FHA home loan! All FHA loans can be assumed PALM HARBOR 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 different PALM HARBOR FL home buyer situations. We are PALM HARBOR FL mortgage company that has money to lend. Fill our quick application to find out more about the many PALM HARBOR FL FHA home loan programs.
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