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Questions

911loan@gmail.com

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Reviews on Zillow
 
1399173
"Thomas went above and beyond to get our mortgage approved. We had a couple of "hiccups" with our VA financing and Thomas was able to get them resolved ... more "
5.0/5.0
by lbaze2008
1375949
"I was hesitant to utilize someone from the internet to obtain my home loan. I even let my real estate agent talk me into going with someone local ... more "
5.0/5.0
by rmac333
1345066
"Thomas martin was a great help with our mortgage . it was a stressful time in our life , but Thomas remained calm through out the whole process which ... more "
5.0/5.0
by zuser20140303145114251

CREDIT REQUIREMENTS Mobile top

FHA MORTGAGE

550 MIN FICO

PORTFOLIO MORTGAGE

NO MINIMUM

VA MORTGAGE

550 MIN FICO SCORE 

USDA LOANS

580 MIN FICO SCORE 

FANNIE MAE.

620 MIN FICO SCORE 

FREDDIE MAC

620 MIN FICO SCORE 

CALL NOW!

954-667-9110

Apply Now!

 MIAMI FLORIDA DOWN PAYMENT ASSISTANCE MORTGAGE PROGRAMS

Florida-Mortgage-Lenders.com is a leading Miami Beach Florida FHA Mortgage Company. All situations welcome.
What is an Florida FHA Mortgage? FHA mortgages have been helping Miami Beach Florida people become homeowners since 1934. Miami Beach Florida FHA mortgage loans are backed by the FHA which is short for the Federal Housing Administration. FHA insures the FHA mortgage loan so Miami Beach Florida mortgage lenders can offer easier loan qualifying and lower down payment FHA mortgage options.


MIAMI BEACH FLORIDA FHA MORTGAGE ADVANTAGES

FHA Mortgage Lenders

100% No Money Down-Miami Florida FHA Mortgage Lenders

Florida Down Payment Assistance Mortgage Lenders

The 100% NO money down Florida mortgage loan program is designed to increase home ownership opportunities
for Florida individuals and families. DAP funds available, 3% up to 6% of the first mortgage loan amount. This 100% NO money down Florida mortgage loan program is a purchase money first lien mortgage with Down Payment Assistance is in the form of a soft second lien or a 2nd mortgage with a 5-year term, forgiven at month 61, as a 0% interest second lien. This 100% NO money down Florida mortgage loan program requires you to remain current on their first mortgage for the second mortgage to be forgiven.

100% NO MONEY DOWN KEY POINTS FOR FLORIDA HOME BUYERS

  • •  No requirement to  be a first time home buyer.
  • • Must have a minimum 640 credit score.
  •  Must have Max Debt to income of 45%.
  • • Must meet Income Limits (up to 140% AMI)
  • • First lien is a 30-year fixed term with full amortization
  • • 203(b) in accordance with FHA guidelines
  • • Primary residence 1-4 units single family is allowed.
  • • DAP funds available, 3% to 6% of the first mortgage loan amount. 
  • What if I live rent free? Yes (If Borrower does not have current housing history, then 3
    months reserves (PITIA) are required)

 

100% NO MONEY DOWN FLORIDA MORTGAGE LENDERS KEY POINTS
  • Min 640 credit score is required for no money down mortgage lenders.
  • Must DU approved - Computer must approve you for no money down Florida mortgage lenders.
  • Min 640 - 659 max Debt to Income Maximum 45% for housing plus all other payments on your credit report.
  • NO late payments- Requires VOR or verification of rent history for most recent 12 months.
  • Cannot payoff debt to qualify after we pull your credit. Better to pay down debts first before applying for no money down Florida mortgage lenders.
  • No Delinquent taxes -  Taxes must be current .
  • NO NSF in the last 12 months with possible 1 exception.
  • Income limits apply based on county for no money down Florida mortgage lenders.

100% NO MONEY DOWN FLORIDA MORTGAGE LENDERS MAXIMUM INCOME BY COUNTY

 FLORIDA DOWN PAYMENT ASSISTANCE MORTGAGE PROGRAMS

 

FHA Loans for Buying a Florida Home or FHA Refinance Mortgages 

 

 www.Florida-Mortgage-Lenders.com

MIAMI BEACH FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:

• Miami Beach 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 BEACH FLORIDA FHA MORTGAGE LOANS ARE EASY TO QUALIFY FOR BECAUSE YOU CAN:

• Purchase a Miami Beach Florida home 12 months after a chapter 13 Bankruptcy
• Purchase a Miami Beach 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 Beach 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 BEACH 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 Miami Beach 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 Miami Beach Florida homebuyers obtained Mortgage Loans with 0% down payment and reduced loan documentation requirements. After the crash, as Fannie Mae and other Miami Beach Florida mortgage lenders retreated from these riskier loan products, FHA stepped in Miami Beach Florida FHA Home Loans became the only option for borrowers with a lowdown payment and less than perfect credit.

 

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

MIAMI BEACH FLORIDA:

Miami Beach is a coastal resort city in Miami-Dade County, Florida, United States. It was incorporated on March 26, 1915. As of the 2010 census, Miami Beach had a total population of 87,779. It has been one of America's pre-eminent beach resorts since the early 20th century

MIAMI BEACH FLORIDA FHA APPRIASERS:

The following list of Miami Beach 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 Beach Florida.

Name

License/
Expiration Date

Address

GARY R TWIST

FLRD2750               
(Certified Residential) 
11-30-2016

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

ANTONIO L LORENZO

FLRD4659               
(Certified Residential) 
11-30-2016

1ST CLASS APPRAISALS INC
PO BOX 403207
MIAMI BEACH,  FL  331400000

CARMEN M MARRERO

FLRD5251               
(Certified Residential) 
11-30-2016

APPRAISAL EXPRESS USA
PO BOX 960456
MIAMI BEACH,  FL  332960000

RICHARD S JOHNSTON

FLRD5542               
(Certified Residential) 
11-30-2016

RESIDENTIAL APPRAISAL EXPERTS
200 76 STREET #43
MIAMI BEACH,  FL  331410000

LUIS M CABALLERO

FLRD579                
(Certified Residential) 
11-30-2016

CASA, INC.
PO BOX 398535
MIAMI BEACH,  FL  332390000

DOMINICK A ALI

FLRD5983               
(Certified Residential) 
11-30-2016

DOMINICK ALI
5005 COLLINS AVE 1522
MIAMI BEACH,  FL  331400000

TONY MILERA

FLRD6633               
(Certified Residential) 
11-30-2016

TONY MILERA APPRAISALS
2401 COLLINS AVE # 1806
MIAMI BEACH,  FL  331400000

MARK PACE

FLRZ2279               
(Certified General) 
11-30-2016

1045 10TH STREET, #701
MIAMI BEACH,  FL  331390000

STEPHEN MALTAGLIATI

FLRZ952                
(Certified General) 
11-30-2016

APPRAISAL WORKS
407 LINCOLN ROAD #10R
MIAMI BEACH,  FL  331390000

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About the City of Miami Beach

In 1870, a father and son, Henry and Charles Lum, purchased the land for 25 cents an acre. The first structure to be built on this uninhabited oceanfront was the Biscayne House of Refuge, constructed in 1876 by the United States Life-Saving Service at approximately 72nd Street. Its purpose was to provide food, water, and a return to civilization for people who were shipwrecked. The next step in the development of the future Miami Beach was the planting of a coconut plantation along the shore in the 1880s by New Jersey entrepreneurs Ezra Osborn and Elnathan Field, but this was a failed venture
According to the United States Census Bureau, the city has a total area of 18.7 sq mi (48.5 km2), of which 7.0 sq mi (18.2 km2) is land and 11.7 sq mi (30.2 km2) (62.37%) is water.
As of 2010, there were 67,499 households out of which 30.1% were vacant. In 2000, 14.0% had children under the age of 18 living with them, 27.4% were married couples living together, 8.5% had a female householder with no husband present, and 60.3% were non-families. 48.7% of all households were made up of individuals and 14.8% had someone living alone who was sixty-five years of age or older. The average household size was 1.87 and the average family size was 2.76.

POPULAR MIAMI FLORIDA GOOGLE SEARCH RESULTS:

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Questions

911loan@gmail.com

CLICK HERE
Reviews on Zillow
 
1399173
"Thomas went above and beyond to get our mortgage approved. We had a couple of "hiccups" with our VA financing and Thomas was able to get them resolved ... more "
5.0/5.0
by lbaze2008
1375949
"I was hesitant to utilize someone from the internet to obtain my home loan. I even let my real estate agent talk me into going with someone local ... more "
5.0/5.0
by rmac333
1345066
"Thomas martin was a great help with our mortgage . it was a stressful time in our life , but Thomas remained calm through out the whole process which ... more "
5.0/5.0
by zuser20140303145114251

MINIMUM CREDIT SCORE

FHA MORTGAGE

580 MIN FICO

NO TAX RETURN PROGRAMS

600 MIN FICO

PORTFOLIO MORTGAGE

600 MIN FICO SCORE 

VA MORTGAGE

580 MIN FICO SCORE 

USDA LOANS

600 MIN FICO SCORE 

FANNIE MAE.

620 MIN FICO SCORE 

FREDDIE MAC

620 MIN FICO SCORE 

CALL NOW!

954-667-9110

Apply Now!

All Information Subject To Change Without Notice and should not be relied on for decision making.