Florida-Mortgage-Lenders.com is a leading Haines City Florida FHA Mortgage Company. All situations welcome.
What is an Florida FHA Mortgage? FHA mortgages have been helping Haines City Florida people become homeowners since 1934. Haines City Florida FHA mortgage loans are backed by the FHA which is short for the Federal Housing Administration. FHA insures the FHA mortgage loan so Haines City Florida mortgage lenders can offer easier loan qualifying and lower down payment FHA mortgage options.
HAINES CITY FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:
• Haines City 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.
HAINES CITY FLORIDA FHA MORTGAGE LOANS ARE EASY TO QUALIFY FOR BECAUSE YOU CAN:
• Purchase a Haines City Florida home 12 months after a chapter 13 Bankruptcy
• Purchase a Haines City 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.
• Haines City 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.
HAINES CITY 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 Haines City 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 Haines City Florida homebuyers obtained Mortgage Loans with 0% down payment and reduced loan documentation requirements. After the crash, as Fannie Mae and other Haines City Florida mortgage lenders retreated from these riskier loan products, FHA stepped in Haines City Florida FHA Home Loans became the only option for borrowers with a lowdown payment and less than perfect credit.
HOMES FOR SALE IN HAINES CITY FLORIDA
HAINES CITY FLORIDA FHA APPROVED CITY DATA
HAINES CITY FLORIDA:
Haines City is a city in Polk County, Florida, United States. The population was 13,174 at the 2000 census and 20,535 at the 2010 census. It is part of the Lakeland–Winter Haven Metropolitan Statistical Area. Haines City is the third most populous city in Polk County, Florida.
HAINES CITY FLORIDA FHA CITY DATA:
Males: 10,732 (49.9%)
Females: 10,758 (50.1%)
Median resident age: 33.8 years
Florida median age: 40.3 years
Zip codes: 33844.
Estimated median household income in 2012: $32,018 (it was $27,636 in 2000)
Haines City: $32,018
Estimated per capita income in 2012: $14,036 (it was $13,818 in 2000)
Estimated median house or condo value in 2012: $74,811 (it was $53,300 in 2000)
Haines City: $74,811
Mean prices in 2009: All housing units: $137,690; Detached houses: $151,812; Townhouses or other attached units: $147,848; In 2-unit structures: $152,371; Mobile homes: $97,297; Occupied boats, RVs, vans, etc.: $143,719
Median gross rent in 2012: $816.
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About the City of Haines City
The City of Haines City was originally incorporated under the General Statutes of Florida as the Town of Haines City on February 23, 1914. The first state legislative act affecting the City was enacted on May 20, 1919, and, by Chapter 8272, it was reincorporated under a Mayor-Council form of government. The present charter was adopted as Chapter 12790 on July 1, 1927, changing the form of government to “Commission-Manager Plan,” as amended. The City operates under a commission-manager form of government and provides the following services as authorized by its charter: Public safety (Police and Fire), Streets and Highways, Culture-Recreation, Public Improvements, Sanitation, Planning and Zoning and General and Administrative Services
According to the United States Census Bureau, the city has a total area of 19.8 square miles (51 km2). Of that, 8.3 square miles (21 km2) is land and 0.6 square miles (1.6 km2), 7.27% of the total, is water.
There were 4,749 households out of which 30.7% had children under the age of 18 living with them, 49.3% were married couples living together, 17.4% had a female householder with no husband present, and 28.2% were non-families. 23.2% of all households were made up of individuals and 12.3% 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 3.18.