Florida-Mortgage-Lenders.com is a leading Fort Pierce Florida FHA Mortgage Company. All situations welcome.
What is an Florida FHA Mortgage? FHA mortgages have been helping Fort Pierce Florida people become homeowners since 1934. Fort Pierce Florida FHA mortgage loans are backed by the FHA which is short for the Federal Housing Administration. FHA insures the FHA mortgage loan so Fort Pierce Florida mortgage lenders can offer easier loan qualifying and lower down payment FHA mortgage options.
FORT PIERCE FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:
• Fort Pierce 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.
FORT PIERCE FLORIDA FHA MORTGAGE LOANS ARE EASY TO QUALIFY FOR BECAUSE YOU CAN:
• Purchase a Fort Pierce Florida home 12 months after a chapter 13 Bankruptcy
• Purchase a Fort Pierce 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.
• Fort Pierce 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.
FORT PIERCE 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.
During the Fort Pierce Florida Housing Boom the FHA Mortgage had become an uncommon mortgage loan product because of the plentiful supply of credit including Subprime, Conventional, and Fannie Mae. Many Fort Pierce Florida homebuyers obtained Mortgage Loans with 0% down payment and reduced loan documentation requirements. After the crash, as Fannie Mae and other Fort Pierce Florida mortgage lenders retreated from these riskier loan products, FHA stepped in Fort Pierce Florida FHA Home Loans became the only option for borrowers with a lowdown payment and less than perfect credit.
HOMES FOR SALE IN FORT PIERCE FLORIDA
FORT PIERCE FLORIDA FHA APPROVED CITY DATA
FORT PIERCE FLORIDA:
Fort Pierce is a city in and the county seat of St. Lucie County, Florida, United States. The population was 41,590 at the 2010 census. As of 2012, the population recorded by the U.S. Census Bureau was 42,645. It is named after the army installation of Fort Pierce built in the area in 1838 during the Second Seminole War.
FORT PIERCE FLORIDA FHA CITY DATA:
Males: 20,426 (47.4%)
Females: 22,648 (52.6%)
Median resident age: 35.7 years
Florida median age: 40.3 years
Zip codes: 34945, 34946, 34947, 34949, 34950, 34981, 34982.
Estimated median household income in 2012: $26,370 (it was $25,121 in 2000)
Fort Pierce: $26,370
Estimated per capita income in 2012: $16,985 (it was $14,345 in 2000)
Estimated median house or condo value in 2012: $84,602 (it was $57,000 in 2000)
Fort Pierce: $84,602
Mean prices in 2009: All housing units: $182,337; Detached houses: $207,100; Townhouses or other attached units: $161,853; In 2-unit structures: $194,704; In 3-to-4-unit structures: $134,685; In 5-or-more-unit structures: $242,903; Mobile homes: $35,152; Occupied boats, RVs, vans, etc.: $55,934
Median gross rent in 2012: $835.
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About the City of Fort Pierce
According to the United States Census Bureau, the city has a total area of 20.8 mi² (53.8 km²), of which 14.7 square miles (38.2 km²) is land and 6.0 square miles (15.6 km²) of it (35.00%) is water.
There were 15,170 households out of which 32.9% had children under the age of 18 living with them, 37.3% were married couples living together, 19.6% had a female householder with no husband present, and 37.9% were non-families. 32.5% of all households were made up of individuals and 11.7% had someone living alone who was 65 years of age or older. The average household size was 2.73 and the average family size was 3.50
The climate of Ft. Pierce is generally a humid subtropical climate, although it closely borders a tropical savanna climate. Summertime temperatures range between 80 and 100 degrees F. Temperatures in the winter range between 55 and 80 degrees F, although some winter days can drop down below 40 degrees, but rarely fall below freezing.
Port St. Lucie and Fort Pierce Highlights
The towns of Port St. Lucie and Fort Pierce are among several that make up the south end of the so-called “Treasure Coast,” named for old Spanish shipwrecks lying off the coast. These are smaller, comfortable, more laid-back residential communities than the bustling beach cities farther south. Port St. Lucie is a small, business-friendly but largely nondescript community just south and inland from Fort Pierce along U.S. 1.
Location: Central Atlantic coast between Melbourne and West Palm Beach, 125 miles north of Miami
Country: United States
County: St. Lucie County
Metro Area: Port St. Lucie-Fort Pierce Metro Area
Profile: Beach-city complex
Time zone: Eastern Standard Time
Real Estate: For Sale For Rent
Schools: See Local Schools
City: Fort Pierce
Zip Codes: 34982, 34950, ... 6 total
Quick Facts About Fort Pierce
ECONOMY-The unemployment rate in Fort Pierce is 9.60 percent(U.S. avg. is 6.30%). Recent job growth is Positive. Fort Pierce jobs have Increased by 3.69 percent.
COST OF LIVING-Compared to the rest of the country, Fort Pierce's cost of living is 19.30% Lower than the U.S. average.
POPULATIONAs of 2014, Fort Pierce's population is 42,350 people. Since 2000, it has had a population growth of -1.47 percent.
TRANSPORTATION-Average Commute time is 23 minutes. The National Average is 25 minutes.
Port St. Lucie and Fort Pierce REAL ESTATE-The median home cost in Fort Pierce is $61,400. Home appreciation the last year has been 11.50 percent.
SCHOOLS-Fort Pierce public schools spend $10,328 per student. The average school expenditure in the U.S. is $12,435. There are about 19.1 students per teacher in Fort Pierce.
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