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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!

1 Year Self Employed Florida Mortgage Lenders-12 months Florida Self Employed Mortgage Lenders


INCOME DOCUMENTATION FOR FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS: 

  • NO TAX RETURN FLORIDA MORTGAGE LENDERS – 12 months business or personal bank statements (Self Empl only), or Full Doc income or lease agreements, ok (rental income qualified by lease agreements)or  Full Doc – 2 year (W-2 & paystubs, 1040s, K1’s) 
  • Full Doc – 1 year (W-2 and Current YTD paystub, K1’s) 
  • Full Doc – 1 year (One year Tax Return and YTD P&L Self Empl) 
  • Asset Xpress – 100% of amount needed to amortize loan plus monthly debts for 60 months, max 80% LTV to $1.0M; Max 75% LTV to $1.5M 
  • Asset Assist – Assets divided by 120 is added to income. $1.5M max loan amount to 75% LTV, Max 80% LTV to $1M 
  • ALT Doc—3-month Florida Bank Statement (24-month CPA compiled and signed P&L statement supported by 3-months bank stmts)
  • ALT Doc—Profit and Loss (P&L) only. 24-month P&L compiled and signed by CPA. CPA must also attest to filing tax returns for 1 year self employed mortgage applicants  for 24-months. 
  • ALT Doc—VOE only

1 YEAR SELF EMPLOYED LOAN INCOME DOCUMENTATION REQUIREMENTS
(1) 12  months Personal months Business Bank statements
 1 year self employed mortgage applicants who own more than 3 businesses must use personal bank statements option
 Bank statements must be most recent available at time of application and must be consecutive
(2) Profit & Loss Statement
 If submitting personal bank statements, a P&L prepared by the borrower covering no less than 12 or 24 months is required
 The P&L must be signed by the borrower
 If submitting business bank statements, a P&L prepared by the borrower covering no less than 24 months is required
 Borrower is required to provide separate P&Ls for each business being used in qualifying.
 The P&L should generally cover the same calendar months as the bank statements provided.
(3) Validation of a minimum of 2 years existence of the business from one of the following: Business License, Letter from Tax Preparer, Secretary of State Filing or
equivalent

Self Employed/Wage Earner Combination - Joint 1 year self employed mortgage applicants with 1 wage earner and 1 self-employed business owner can verify income separately, with the self-
employed borrower utilizing bank statements and the wage earner providing pay stubs/W-2s. The wage earner 4506T should include W-2 transcripts only.

PROFIT & LOSS ANALYSIS
• Net Income from the P&L will be used as Qualifying Income for both personal and business bank statements.
• The P&L used for qualifying must be signed by the borrower.
• Declining Income requires an LOE
• Any amounts on the P&L representing salary/wages paid to the borrower/business owner can be added back and considered in the net income analysis.
• Expense line items that can be added back to the business net income include depreciation, depletion, amortization, casualty losses, and other losses or
expenses that are not consistent and recurring.
• 1 year self employed mortgage applicants utilizing business bank statements that own > 50% but < 100% of a business will be qualified at the P&L/AES net income multiplied by their ownership
percentage.
• The P&L expense ratio, Gross Income minus Net Income, divided by Gross Income, should be reasonable for the profession.
Example: A home-based sole practitioner therapist/consultant can be expected to have a low expense ratio, while a retail business that has a full staff of
employees and relies heavily on inventory to generate income will have a high expense ratio.
• If the file does not contain a CPA prepared P&L, steps must be taken by the underwriter to evaluate the reasonableness of the expenses listed by the borrower.
• This requires the borrower to provide a business narrative which includes detail related to the size/scope and operating profile of the business, including the
following: o Description of Business/Business Profile o Location & Associated Rent o Number of Employees / Contractors o Estimated Cost of Goods Sold (Does
business involve sale of goods or just services?) o Materials/Trucks/Equipment o Commercial or Retail client base? o Business Analysis
• Expenses listed on a borrower prepared P&L should generally relate to the information provided below.

LENDING CRITERIA- FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS: Loan programs for Owner Occ and 2nd homes only

MINIMUM CREDIT SCORE FOR – FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

  •  600+ QUALIFICATIONS- 600+ FICO Mtg 0x60 (12 Months) No BK 18 Months/FC 2 Years SS/DIL Settled Purchase 75% LTV RT Refi 80% LTV Cash-out Refi 80% LTV 2nd Home 75% LTV 
  • 640+QUALIFICATIONS- 640+ FICO Mtg 1×30 (12 months) No BK/FC 2 Years No SS/DIL 1 Year Purchase 75% LTV RT Refi 85% LTV Cash-out Refi 85% LTV (680 FICO, otherwise 80%) 2nd Home 75% LTV  
  •  680+QUALIFICATIONS- 680+ FICO Mtg 0x30 (12 Months) No BK/FC 3 Years No SS/DIL 2 Years Purch. 90% LTV – Full Doc & 12 or 24 months BK statements RT Refi 80% LTV Cash-out Refi 80% LTV 2nd Home 80% LTV 
  • 720+QUALIFICATIONS- 720+ FICO Mtg 0x30 (12 Months) No BK/FC 3 Years No SS/DIL 2 Years Purch. 90% LTV – Full Doc & 12 or 24 months BK statements RT Refi 90% LTV Cash-out Refi 85% LTV 2nd Home 80% LTV

1 YEAR SELF EMPLOYED LOAN AMOUNTS – FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS: ● Minimum loan amount $100,000 RESERVES: ● 6 months required above 75% LTV ● 6 months required on 12 Mo Cash Flow Product ● See loans > $1M for additional info 

GENERAL FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS LOAN TERMS: 

  • 30 Year Fixed  and 5 year ARM, 7 year ARM options
  • No Pre-payment penalty 
  • Floor = Start rate 
  • Caps are 2/2/5 (2% initial change cap / 2% annual cap / 5% lifetime cap) 
  • Index – 1 year libor 
  • All loans require impound for tax and insurance PROPERTY TYPES: 
  • SFRs, condos, townhouses, 2-4 units (no rural properties < $200,000) 
  • Property must show “pride of ownership” DEBT TO INCOME RATIO: 
  • 50% max DTI (up to 55% case by case) 
  • See guidelines for residual income calculations * Requires 0x30 mortgage payment history last 12 months. Full Doc Only 
  • Minimum interest rate: 4.250% ARM 4.625% fixed

DOWN PAYMENT REQUIREMENTS FOR FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS: 

  • All down payment funds must be verified prior to drawing loan documents 
  • Secondary Financing 80% Max LTV/90% Max CLTV 

1 YEAR FLORIDA SELF EMPLOYED DEBTS INCLUDING TAX LIENS, JUDGMENT REQUIREMENTS: 

  • All tax liens and judgments must be paid at closing 

 

1 YEAR FLORIDA SELF EMPLOYED BANK STATEMENT INCOME CALCULATION
• Eligible deposits from the 1 year self employed bank statements should generally be within +/- 10% of the gross income (business accounts) or net income (personal accounts) as
shown on the P&L.
• Transfers from other bank accounts into the business bank accounts will require conclusive evidence that the source of transfer is business related income
• An Income calculated with bank statement documentation should be consistent with income documented by the borrower on the loan application
• Borrowers income on the 1003 should never be used for qualifying, even if it is less than the P&L income calculated above
• Any deposits into a personal account deemed to derive from a source other than the business (rents, SSI, joint account holder wage income, IRS refunds)
must be excluded from the analysis
• NSFs require a borrower LOE to evaluate that they are not due to financial mishandling and/or indicative of insufficient income
• NSFs should be covered with deposits shortly after they are incurred.
• Unusually large deposits exceeding 50% of monthly income (as defined by Fannie Mae) into personal accounts must be documented and explained via LOE,
and must be consistent with the business profile. If LOE is sufficient, no sourcing required.
• Transaction history printouts are not acceptable.
• Multiple bank accounts may be used.
• Co-mingling of personal and business receipts and expenses in Personal Bank Accounts is not permitted. Evidence of comingling will require the loan to be
submitted and qualified as a business bank statement loan.
• If personal bank statements provided reflect payments being made on obligations not listed on the credit report, a thorough analysis must be performed and
LOE provided from the borrower, as outlined below.
Bank statement loans submitted with tax return documentation or transcripts are ineligible.

COLLECTION ACCOUNTS FOR FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

  • Collections and charge offs need to be paid off except: – Medical Collections – Collection accounts older than 2 years FIRST-TIME HOME BUYER: 
  • A , A- and B credit grades. B- grade case by case 

NON-PERMANENT RESIDENT ALIEN FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS: : 

  • 80% max LTV Purchase and Rate and Term Refi 75% max LTV on Cash Out 
  • A, A- and B credit grades only 
  • No FICO is allowed (when no FICO, price at Aand add 0.500% to rate) 
  • Visa classifications allowed (E-1 – E-3/G-1 – G-5/H-1/L-1/NATO/O-1/R1/TN (NAFTA) 

FLORIDA  1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS FEES 

  • Underwriting Fee $1,495 
  • Flood Cert Fee $12 
  • Attorney Doc Review $150
  • Subject to hange without notice.

AGE OF DOCUMENTS FOR FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

  • Credit Report/Credit Documentation: 90 days old at the time of closing
  • Income and Asset Documentation: Dated within 90 days of closing
  • Title Report/Title Commitment: Dated no later than 60 days prior to closing

APPRAISAL REQUIREMENTS BY FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

Full Interior / Exterior appraisal required. Fannie Mae/Freddie Mac Forms 1004/70, 1025/72, 1073/465 or 2090 must be used. All Fannie Guidelines apply to

appraisal process and value determination, in addition an Appraisal Management Company must be utilized for appraiser selection.

The Appraisal should be dated no more than 120 days prior to the Note Date. After a 120 day period, a new appraisal is required. Re-certification of value is

not acceptable. Minimum Square Footage 800 Sq. Feet

Not eligible: Properties for which the appraisal indicates condition ratings of C5 or C6 or a quality rating of Q6, each as determined under the Uniform Appraisal

Dataset (UAD) guidelines. Florida 1 ONE YEAR SELF EMPLOYED mortgage lenders will consider if issue has been corrected prior to loan funding with proper documentation.

A 5% reduction in LTV/CLTV will be required for all properties identified to be in a declining market as designated by the appraiser.

APPRAISAL REVIEW PRODUCTS: An enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from a Florida 1 ONE YEAR SELF EMPLOYED mortgage lenders Approved AMC is required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from a Florida 1 ONE YEAR SELF EMPLOYED mortgage lenders’s AMC is acceptable. If the Appraisal Review Product value is more than 10% below the appraised value a second appraisal is required. When a second appraisal is provided, the transactions “Appraised Value” will be the lower of the two appraisals. A second appraisal is required on loan amounts > $1,500,000

ASSETS – CASH TO CLOSE – FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
• Full Asset Documentation is required for both funds to close and reserves. For most asset types, this would include all pages of the most recent two months statements or the most recent quarterly statement. All Assets from the 1 year self employed mortgage applicants (s) must be disclosed and verified by the lender.

  • No business accounts may be used to meet down payment and/or reserve requirements unless the 1 year self employed mortgage applicants (s) are 100% owners of the business and requires:

o A letter from the businesses accountant OR

o An underwriter cash flow analysis of the business balance sheet to confirm that the withdrawal will not negatively impact the business.

  • Stocks/Bonds/Mutual Funds – 80% may be used for reserves.
  • Vested Retirement Accounts – 70% may be considered for reserves (certain eligible plans can use 70% if 1 year self employed mortgage applicants  > 59 1⁄2 – i.e. 401k)
  • Assets being used for dividend and interest income may not be used to meet reserve requirements
  • If needed to close, verification that funds have been liquidated (if applicable) is required.
  • Gift of Equity is not allowed.
  • Builder profits are not allowed.
  • No employer assistance assets are allowed.
  • Maximum Interested Party Contributions permitted up to 3% for LTV >=80, 6% for LTV<80

FLORIDA  1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS ELIGIBLE MORTGAGE APPLICANTS INCLUDE:

  • Eligible:
  • US Citizen
  • Permanent Resident Aliens
  • Non-Permanent Resident Aliens
  • First Time Home Buyers
  • Non-Occupant Co-Florida 1 ONE YEAR SELF EMPLOYED mortgage applicants
  • Limited partnerships, general partnerships, corporations
  • o Personal guarantor required
  • In-Eligible:
  • Foreign Nationals
  • Irrevocable or Blind Trusts
  • Inter-Vivos Revocable Trust

OVERALL CREDIT REQUIREMENTS FOR FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

  • Each 1 year self employed mortgage applicants ’s ‘Credit Score’ is the middle of three or the lesser of two.
  • Representative Credit Score – Florida Bank Statement loans, the lowest Credit Score among 1 year self employed mortgage applicants s.
  • Each 1 year self employed mortgage applicants ’s credit profile must include a minimum of 2 trade lines (open or closed) within the last 24 months that show a 12 month history, or a combined credit profile between 1 year self employed mortgage applicants  and co-1 year self employed mortgage applicants  with a minimum of 3 tradelines.
    o Tradeline activity is not required. Eligible tradelines cannot have any derogatory history in previous 24 months.
  • Current housing not reporting on credit can be considered an open trade if supported by bank records (cancelled checks/debits).
    • 1 year self employed mortgage applicants (s) not using income to qualify are not required to meet the minimum tradeline requirements listed above. 
  • Florida 1 ONE YEAR SELF EMPLOYED mortgage applicants currently enrolled in credit counseling or debt management plans are not permitted. • All derogatory accounts require a full explanation. 
  • All Judgments or liens affecting title must be paid.
  • Non-title charge- offs and collections within 3 years and exceeding $3,000 (either individually or in aggregate) must be paid.
  • Medical collections are not required to be paid.
  • All past due accounts must be brought current prior to closing. 
  • No authorized user accounts will be used to satisfy minimum tradeline. 
  • Medical derogatory accounts, collections, and charge-offs permitted with letter of explanation. 
  • Disputed accounts require a LOE per Fannie Mae. An updated credit report not required.
  • IRS tax payment plans are permitted if current and do not carry a lien on any property.Minimum FICO 700
  • Housing 0x30x12
  • BK (Chap 13 Discharge) 60 Mo
  • BK (Other) 60 Mo
  • Foreclosure 60 Mo
  • Short Sale / DIL 60Mo

FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE FOR FIRST TIME HOME BUYER REQUIREMENTS

  • First Time Homebuyers (“FTHB”) are individuals that have not owned a home or had a residential mortgage in the last 3 years.
  • However, only 1 year self employed mortgage applicants with no prior mortgage history or homeownership ever are restricted to the following:
  • Recent Event not permitted
  • I/Os not permitted
  • 12 month 0X30 housing history required
  • Primary Residence Only
  • Minimum of 6 months PITI reserves required.

DOCUMENT REQUIREMENTS FOR  FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS 

(1) 12 or 24 months Personal or 24 months Business Bank statements

Florida 1 ONE YEAR SELF EMPLOYED mortgage applicants who own more than 3 businesses must use personal bank statements option

Bank statements must be most recent available at time of application and must be consecutive

(2) Profit & Loss Statement

If submitting personal bank statements, a P&L prepared by the 1 year self employed mortgage applicants  covering no less than 12 or 24 months is required

The P&L must be signed by the 1 year self employed mortgage applicants 

If submitting business bank statements, a P&L prepared by the 1 year self employed mortgage applicants  covering no less than 24 months is required

1 year self employed mortgage applicants  is required to provide separate P&Ls for each business being used in qualifying.

The P&L should generally cover the same calendar months as the bank statements provided.

(3) Validation of a minimum of 2 years existence of the business from one of the following: Business License, Letter from Tax Preparer, Secretary of State Filing or equivalent

Self Employed/Wage Earner Combination – Joint 1 year self employed mortgage applicants with 1 wage earner and 1 self-employed business owner can verify income separately, with the self-

employed 1 year self employed mortgage applicants  utilizing bank statements and the wage earner providing pay stubs/W-2s. The wage earner 4506T should include W-2 transcripts only.

PROFIT & LOSS ANALYSIS FOR FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS 

  • Net Income from the P&L will be used as Qualifying Income for both personal and business bank statements.
  • The P&L used for qualifying must be signed by the 1 year self employed mortgage applicants .
  • Declining Income requires an LOE
  • Any amounts on the P&L representing salary/wages paid to the 1 year self employed mortgage applicants /business owner can be added back and considered in the net income analysis.
  • Expense line items that can be added back to the business net income include depreciation, depletion, amortization, casualty losses, and other losses or

expenses that are not consistent and recurring.

  • Florida 1 ONE YEAR SELF EMPLOYED mortgage applicants utilizing business bank statements that own > 50% but < 100% of a business will be qualified at the P&L/AES net income multiplied by their ownership percentage.
  • The P&L expense ratio, Gross Income minus Net Income, divided by Gross Income, should be reasonable for the profession.

Example: A home-based sole practitioner therapist/consultant can be expected to have a low expense ratio, while a retail business that has a full staff of  employees and relies heavily on inventory to generate income will have a high expense ratio.

  • If the file does not contain a CPA prepared P&L, steps must be taken by the underwriter to evaluate the reasonableness of the expenses listed by the 1 year self employed mortgage applicants .
  • This requires the 1 year self employed mortgage applicants  to provide a business narrative which includes detail related to the size/scope and operating profile of the business, including the

following: o Description of Business/Business Profile o Location & Associated Rent o Number of Employees / Contractors o Estimated Cost of Goods Sold (Does

business involve sale of goods or just services?) o Materials/Trucks/Equipment o Commercial or Retail client base? o Business Analysis

  • Expenses listed on a 1 year self employed mortgage applicants  prepared P&L should generally relate to the information provided below.

Joint Accounts – A joint personal account with a non-borrowing spouse or domestic partner can be used for qualifying as follows: o If not contributing

income/deposits, it must be validated by a 1 year self employed mortgage applicants  affidavit o If contributing income/deposits, source must be clearly identified (direct deposit, SSI, trust

income) and amounts must be subtracted from the analysis o Relationship letter must be present in file

FLORIDA Retirement, Government Annuity, and Pension Income – Florida 1 ONE YEAR SELF EMPLOYED mortgage lenders may recognize an ancillary income stream from employment-related assets as eligible for

income qualification. 1 year self employed mortgage applicants  must evidence a 12 month history of documented draws or interest/dividend income. If, based on that history, the income will

continue for at least three years, the income may be used for loan qualification. One of the following types of income documentation is required: o Copy of

award letter or letters from the organizations providing the income o Most recent personal income tax return with all schedules o Most recent W2 or 1099 o

Most recent 2 months bank statements showing deposit of funds

If the income being used for qualifying represents at least 50% of the 1 year self employed mortgage applicants ’s total income, a five year continuance is required. The 1 year self employed mortgage applicants  must have

unrestricted access, and available to the 1 year self employed mortgage applicants  without penalty. Documentation of asset ownership must be in compliance with the allowable age of credit

documents.

FLORIDA Restricted Stock Income – Florida 1 ONE YEAR SELF EMPLOYED mortgage lenders will only consider restricted stock that was awarded in prior 2 years and became unrestricted (vested) in the current year. The

Vesting Schedule must indicate the income will continue for a minimum of 3 years at a similar level to the prior 2 years. Continuance is based on the vesting

schedule using a stock price based on the 52 week low for the most recent 12 months reporting at the time of closing. A 2 year average of prior income

received from RSU’s or stock option will be used. The following documentation is required: o Copy of the vesting schedule o Most recent W2 and pay stub o

Private Stock not eligible.

Component Sources of Income – A 1 year self employed mortgage applicants  who has a self-employed business and also receives income from other sources is eligible for the bank

statement program. Income sources include but are not limited to rental properties, trust & investment, alimony, etc. These income sources should be

separately documented on the 1003 and should be separately supported by bank statement deposits.

o Rental Income –

months via cancelled checks, deposits clips, or bank records ed by a vacancy/expense factor of

25%

o Trust Income – idenced by unt, distribution frequency, and duration of payments

o Alimony Income –

deposit slips, or bank records

o Note Receivable Income opy of the note confirming amount and length of payment

checks, deposit slips, or bank records

MORTGAGE RENTAL VERIFICATION REQUIRED BY FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

  • 12 months housing history required.
  • Rental history evidenced by 12 months proof of payment via cancelled checks or bank debits.
  • Rent free letters from spouses are not permitted. Housing history is required.

PAYMENT SHOCK FOR FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

Payment shock is limited to 250% on primary residence transactions.

Payment Shock Calculation –

(Proposed PITI – Current PITI) / Current PITI X 100

For 1 year self employed mortgage applicants who do not have a current housing payment, or own a home free and clear, payment is shock is not considered.

PRIMARY HOME –FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
• A primary residence is a property that the 1 year self employed mortgage applicants (s) intend to occupy (within 60 days) as his or her principal residence.

  • Characteristics that may indicate that a property is used as a 1 year self employed mortgage applicants ‘s primary residence include:

o It is occupied by the 1 year self employed mortgage applicants  for the major portion of the year.

o It is in a location relatively convenient to the 1 year self employed mortgage applicants ‘s principal place of employment.

o It is the address of record for such activities as federal income tax reporting, voter registration, occupational licensing, and similar functions.

o 1 year self employed mortgage applicants  may not own an additional single family residence of equal or greater value than subject property.

SECOND HOME – FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS 

A property is considered a second home when it meets all of the following requirements:

  • Must be located a reasonable distance away from the 1 year self employed mortgage applicants (s) principal residence.
  • Must be occupied by the 1 year self employed mortgage applicants (s) for some portion of the year.
  • Is restricted to a one-unit dwelling.
  • Must be suitable for year-round occupancy.
  • Cash-Out transactions are not permitted
  • The 1 year self employed mortgage applicants (s) must have exclusive control over the property.
  • Gifts not permitted

INVESTOR – FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS 

  • Occupancy designation when the 1 year self employed mortgage applicants  does not occupy the subject property.
  • A Non Owner Occupied property must meet the following requirements:

Cash-Out and Debt Consolidation transactions are not permitted

1 year self employed mortgage applicants with greater than 2 financed properties require an additional 3 months of reserves for each additional financed property.

The 3 months additional reserves are based on the PITI plus HOA fees of the other financed properties.

  • Gifts not permitted

Alt Doc – 12 or 24 months personal or business bank stmts or 1099’s (self employed only) ● Alt Doc – Rental income qualified by lease agreements 

PROPERTY TYPES ALLOWABLE BY FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

Eligible: Single Family Residences 1-4 Units (3-4 Units NOO Only), PUDs*, Townhouses, Condominiums (Warrantable Only)

*PUDs- New PUDs/Subdivisions must be at least 60% sold or under bonafide contract. The PUD questionnaire must be included with submission. • Maximum

LTV of 80% for new PUDs

Ineligible: • Acreage greater than 10 acres (appraisal must include total acreage) • Agricultural/Rural zoned property • Condo hotel • Co-ops • Hobby Farms •

Income producing properties with acreage • Leaseholds • Log Homes • Manufactured housing • Mixed use properties • Modular homes • Non-Warrantable

Condos • Properties subject to oil and/or gas leases • Unique properties • Working farms, ranches or orchards.

Fannie Mae eligible projects: Florida 1 ONE YEAR SELF EMPLOYED mortgage lenders. project exposure maximum shall be $3,000,000 or 15% of the project whichever is lower • 1 year self employed mortgage applicants 

project/Unit concentration limit: two (2) units • Project meets all FNMA Insurance requirements for property, liability and fidelity coverage • 1 year self employed mortgage applicants  must carry

H06 coverage for replacement of such items as flooring, wall covering, cabinets, fixtures, built-ins and any improvements made to the unit • The Condo Project

Questionnaire must be completed, including all the required documentation from the questionnaire including: CCR, Articles of Incorporation, By-Laws, Master

Insurance Policy, Budget / Balance Sheet & HOA questionnaire .• All projects are subject to full review and approval.

Florida 1 ONE YEAR SELF EMPLOYED Condos – 70% Maximum LTV

Florida 1 ONE YEAR SELF EMPLOYED Condos – 50% Maximum LTV

Purchase • No property flipping, prior owners must have owned the property greater than 6 months. (Bank owned REO are eligible and not considered a flip transaction).

  • Maximum Interested Party Contributions permitted up to 3% for LTV >=80, 6% for LTV<80.

CASH OUT – FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

  • A Cash-Out Refinance transaction allows the 1 year self employed mortgage applicants  to pay off the existing mortgage by obtaining new financing secured by the same property or allows the

property owner obtain a mortgage on a property that is currently owned free and clear. The 1 year self employed mortgage applicants  can receive funds at closing as long as they do not exceed

the program requirements.

  • To be eligible for a Cash-Out Refinance the 1 year self employed mortgage applicants  must have owned the property for a minimum of six months prior to the application date. Properties listed

for sale within the last 12 months are ineligible for cash out.

  • If the property is owned less than 12 months but greater than 6 months at the time of application, the LTV/CLTV will be based on the lesser of the original

purchase price plus documented improvements, or current appraised value. The prior HUD-1 will be required for proof of purchase price.

RATE TERM – Florida 1 ONE YEAR SELF EMPLOYED MORTGAGE REFINANCE 

  • A Rate/Term Refinance transaction is when the new loan amount is limited to the payoff of the present first lien mortgage, any seasoned non-first lien

mortgages, closing costs and prepays, or a court ordered buyout settlement.

  • A seasoned non-first lien mortgage is a purchase money mortgage or a closed end or HELOC mortgage that has been in place for more than 12 months

(and/or not having any draws greater than $2,000 in the past 12 months for HELOC’s. Withdrawal activity must be documented with a transaction history from

the HELOC).

  • Limited cash to the 1 year self employed mortgage applicants  must not be greater than 1% of the principal amount of the new mortgage to be considered a Rate/Term refinance.
  • If the property is owned less than 6 months at the time of application, the LTV/CLTV will be based on the lesser of the original purchase price plus

improvements or current appraised value. The prior HUD-1 will be required for proof of purchase price. Proof of improvements is required.

  • There is no waiting period if the lender documents that the 1 year self employed mortgage applicants  acquired the property through an inheritance or was legally awarded the property

(divorce, separation, or dissolution of a domestic partnership). If the 1 year self employed mortgage applicants  acquired the property at any time as a gift, award, inheritance or other

non-purchase transaction, the LTV will be based on the current appraised value. The lender must obtain appropriate documentation to verify the

acquisition and transfer of ownership.

  • Follow FNMA for Delayed Financing guidelines.
  • Properties that have been listed for sale within the past 6 months from the loan application date are not eligible for a rate/term refinance transaction.
  • The rate/term refinance of a construction loan is eligible with the following conditions:
  • If the lot was acquired 12 or more months before applying for the subject loan, the LTV/CLTV/HCLTV is based on the current appraised value of the property.
  • If the lot was acquired less than 12 months before applying for the construction financing, the LTV/CLTV/HCLTV is based on the lesser of i) the current

appraised value of the property and ii) the total acquisition costs.

Florida 1 ONE YEAR SELF EMPLOYED CASH OUT DEBT CONSOLIDATION REFINANCE 

  • A debt consolidation refinance transaction involves the repayment of an existing lien and other 1 year self employed mortgage applicants  debt from the proceeds of a new mortgage. A debt

consolidation refinance may include the payoff of:

o First mortgage secured by the subject property.

o Junior liens secured by the subject property.

o Credit cards, installment loans, past due taxes, etc.

  • Direct evidence of debt payment at closing is required.
  • 1 year self employed mortgage applicants  must own property for a minimum of 12 months
  • Loan must produce a net tangible benefit to the 1 year self employed mortgage applicants  resulting in an increase in residual income and a reduction of 1 year self employed mortgage applicants ’s total debt obligation

payments.

  • Existing subordination not permitted.
  • Cash to 1 year self employed mortgage applicants  at closing must not exceed 2% of the loan amount.

RESERVE REQUIRED BY Florida 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS 

Non-Occupant Co-1 year self employed mortgage applicants : An additional 6 months reserves is required

First Time Home Buyers: Minimum of 6 months PITI reserves required

Interest Only loans require a minimum of 12 months reserves

Occupancy Maximum Loan Amount Reserves

  • 1 year self employed mortgage applicants with greater than 2 financed properties require 9 months or otherwise stated higher reserve amount above and an additional 3 months of reserves

for each additional financed property. The 3 months additional reserves are based on the PITI plus HOA fees of the other financed properties. For primary

residence transactions, this requirement can be waived for 1 year self employed mortgage applicants who have a minimum 18 months reserves on the primary residence.

Occupancy Maximum Loan Amount Reserves

Second Home $2,000,000 12 Months

Second Home

Debt

Consolidation

$2,000,000 2 Months

  • 1 year self employed mortgage applicants with greater than 2 financed properties require an additional 3 months of reserves for each additional financed property. The 3 months additional

reserves are based on the PITI plus HOA fees of the other financed properties.

Occupancy Maximum Loan Amount Reserves

Non-Owner $1,500,000 12 Months

  • 1 year self employed mortgage applicants with greater than 2 financed properties require an additional 3 months of reserves for each additional financed property. The 3 months additional

reserves are based on the PITI plus HOA fees of the other financed properties

Cash-out permitted to meet reserve requirements if loan-to-value is 5% below the matrix maximum LTV/CLTV and a minimum 680 representative FICO score

DELAYED FINANCING BY Florida 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS 

Cash-out on properties purchased by the 1 year self employed mortgage applicants  with cash and owned less than 6 months is allowed. The following requirements apply:

  • Original transaction was an arm’s-length transaction
  • Settlement statement from purchase confirms no mortgage financing used to acquire subject
  • Source of funds used for purchase documented (gift funds may not be included)
  • New loan amount can be no more than the actual documented amount of the 1 year self employed mortgage applicants ‘s initial investment in purchasing the property plus the

financing of closing costs, prepaid fees, and points on the new mortgage loan

  • All other cash-out refinance eligibility requirements must be met

SELF-EMPLOYED REQUIRED FOR Florida 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS 

1 year self employed mortgage applicants with Separated Business and Personal Accounts

Using Personal Florida Bank Statements to Qualify

Business license (if available – depending on nature of business)

Letter from a Licensed Tax Professional certifying profession & self-employment in same line of business for a min of 2 years & ownership

percentage

Most recent 12 months personal bank statements – Utilize 12 months average deposits to qualify (minus disqualified/unrelated deposits)

Most recent 3 months business bank statements – Demonstrate transfers from business to personal bank account statements provided

1 year self employed mortgage applicants must own a minimum of 25% of business to be considered Self-Employed, for use of personal of personal bank statements.

Qualifying income may not exceed the income indicated on the initial 1003.

Using Business Florida Bank Statements to Qualify

Business license (if available – depending on nature of business)

Letter from a licensed tax professional certifying profession & self-employment in same line of business for a min of 2 years and that the 1 year self employed mortgage applicants  is

100% owner of the business – For use of Business Florida Bank Statements/P&L for 1 year self employed mortgage applicants who own less than 100% but more than or equal to 80%, a

letter is required from each other owner of the business stating the 1 year self employed mortgage applicants  has full access to the business funds. Less than 80% ownership will

require exception approval for use of Business Florida Bank Statements/P&L

Most recent 12 months business bank statements.

12 month Profit and Loss Statement (P&L) prepared by a Licensed Tax Professional – Net Income on P&L will be used for qualifying (Net Income/12)

o Gross Income must be supported by the total deposits of bank statements provided (variance of 5% allowed for deposits compared to Gross

Revenue)

o 1 year self employed mortgage applicants  to provide business expenses for Licensed Tax Professional – must be reasonable for the nature of the business

o P&L is not Audited by Licensed Tax Professional

o P&L must be signed by the preparer and 1 year self employed mortgage applicants 

Qualifying income may not exceed the income indicated on the initial 1003.

1 year self employed mortgage applicants with Personal Accounts (Co-mingled for business & personal use)

Business license (if available – depending on nature of business)

Letter from a licensed tax professional certifying profession & self-employment in same line of business for a min of 2 years and that the 1 year self employed mortgage applicants  is

100% owner of the business – For use of Business Florida Bank Statements/P&L for 1 year self employed mortgage applicants who own less than 100% but more than or equal to 80%, a

letter is required from each other owner of the business stating the 1 year self employed mortgage applicants  has full access to the business funds. Less than 80% ownership will

require exception approval for use of Business Florida Bank Statements/P&L

Most recent 12 months personal bank statements.

12 month Profit and Loss Statement (P&L) prepared by a Licensed Tax Professional – Net Income on P&L will be used for qualifying (Net Income/12)

o Gross Income must be supported by the total deposits of bank statements provided (variance of 5% allowed for deposits compared to Gross

Revenue)

o 1 year self employed mortgage applicants  to provide business expenses for Licensed Tax Professional – must be reasonable for the nature of the business

o P&L is not Audited by Licensed Tax Professional

o P&L must be signed by the preparer and 1 year self employed mortgage applicants 

Qualifying income may not exceed the income indicated on the initial 1003.

Other sources of income

Other sources of income must be verified in accordance with Appendix Q of Regulation Z regarding income

How to get a Florida mortgage without providing Tax Returns!

Bank statement loans have taken over the traditional Bank Statement income loans as an alternative for self employed Florida mortgage applicants who are unable to verify their income by providing the previous two years tax returns, W2s and pay stubs. These loans are called non-QM loans, nontraditional loans or expanded criteria loans that allow other forms of documentation to prove the ability to repay. Just as it sounds, a bank statement loan allows the borrower to verify his or her income with bank statements instead of using tax returns!

What Is The No Tax Return Loan Application Process Look Like?

To apply for a bank statement loan you would fill out our full mortgage application. Then provide your last 12 or 24  months’ worth of bank statements from a personal or business bank account. Bank statement mortgage loans are processed through a manual underwriting process. This means the income is calculated by a person so the process can take 24 -48 hours.

Am I Eligible for a loan with No Tax Returns? What is Required?

  • You must prove self-employment for a minimum 2 years.
  • Must provide proof of 12-month rental history or and 3-6 months future payments in reserves.
  • You must have at least 10% down.
  • You must have 4-6 months of PITI reserves
  • You may qualify with as little as a 12-months bank statement.
  • You must have a credit score of 600 or above to qualify.
  • The minimum loan amount is $100,000, and the maximum loan is $5,000,000.

What Documents Do I need for a Bank Statement only Mortgage without Tax Returns?

  • Proof of income = Your most recent 12- or 24-months bank Statements Business or Personal bank statements EVERY PAGE EVEN BLANKS in PDF labeled by month.
  • PDF proof of down payment statement= 2 Months Bank Statements to source funds..
  • Proof of 2 years in the same business or line of work = To include business licenses or satisfactory evidence of self-employed to cover previous 24 months that could include: Articles of incorporation, 2 years of 1099 s, Business license more than 2 years or accountant letter stating more than 2 years in the same business.
  • Obligations = Divorce decree, Child support or court order required payment statements. Only if applies.
  • ID = Driver’s license, SS Card.
  • Mortgage Statements = For rental properties including taxes and insurance statements. Only if applies.
  • W2 or 1099= If you have separate W2 or 1099 income you would like to use to qualify please provide.
  • Purchase and Sale Contact. Only if you have one.
  • Verified Timely Rent Payments- For Purchases Only - Please send front and backs of checks clearing your account or wire transfer’s for the most recent 12 months to verity timely rental payments.

What Are the Advantages of a Bank Statement mortgage Loan?

In summary, these are the advantages of a bank statement loan:

  • The lender can look at 12 or 24-month bank statements.
  • 30 Year Fixed Options.
  • Bank statement only mortgage lenders do not need to look at your tax returns.
  • Your income statements are made up of the average monthly income deposits.
  • You can get a bank statement home loan for as little as 10 percent down.
  • You can do a cash-out refinance.
  • You can borrow up to $5 million.
  • Debt to income ratio up to 55 percent.

What Are The Eligibility Requirements for a Bank Statement Mortgage Loan?

Eligibility for a bank statement requires total deposits minus disallowed deposits. This amount is then divided by the number of bank statements, whether it is the 12 or 24 months statement.

Another option is that if the co-borrower is a W2 employee you can use a hybrid of W2 and tax return income from the co-borrower and bank statement income from the borrower or assets from the co-borrower and bank statements from the borrower. Non-QM loans can use multiples sources of blended incomes to qualify.

Deposits which are disallowed in regards to a bank statement loan include transfers between bank accounts and cash or large deposits, which can raise a level of concern and may require a letter of explanation.

Are There Any Special Considerations By Florida Bank Statement Mortgage Lenders?

  • You can use either business or personal no commingling.
  • Use 12 months business bank account or personal account depending on the lender.
  • Deposits which are transferred from a business account into a personal account are OK.
  • You may combine W2 income with bank statement income as long as the income is not being counted twice.
  • Foreign Bank Statements and Foreign Assets may be considered and must be translated to English.
 

FLORIDA 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS COVERAGE AREAS

City County Zip Code State Zip
Orange Park Clay 32003 Florida View Map
Ponte Vedra Beach Saint Johns 32004 Florida View Map
Fleming Island Clay 32006 Florida View Map
Bostwick Putnam 32007 Florida View Map
Branford Suwannee 32008 Florida View Map
Bryceville Nassau 32009 Florida View Map
Callahan Nassau 32011 Florida View Map
Day Lafayette 32013 Florida View Map
Lake City Columbia 32024 Florida View Map
Lake City Columbia 32025 Florida View Map
Raiford Union 32026 Florida View Map
Doctors Inlet Clay 32030 Florida View Map
Elkton Saint Johns 32033 Florida View Map
Fernandina Beach Nassau 32034 Florida View Map
Fernandina Beach Nassau 32035 Florida View Map
Fort White Columbia 32038 Florida View Map
Glen Saint Mary Baker 32040 Florida View Map
Yulee Nassau 32041 Florida View Map
Graham Bradford 32042 Florida View Map
Green Cove Springs Clay 32043 Florida View Map
Hampton Bradford 32044 Florida View Map
Hilliard Nassau 32046 Florida View Map
Middleburg Clay 32050 Florida View Map
Jasper Hamilton 32052 Florida View Map
Jennings Hamilton 32053 Florida View Map
Lake Butler Union 32054 Florida View Map
Lake City Columbia 32055 Florida View Map
Lake City Columbia 32056 Florida View Map
Lawtey Bradford 32058 Florida View Map
Lee Madison 32059 Florida View Map
Live Oak Suwannee 32060 Florida View Map
Lulu Columbia 32061 Florida View Map
Mc Alpin Suwannee 32062 Florida View Map
Macclenny Baker 32063 Florida View Map
Live Oak Suwannee 32064 Florida View Map
Orange Park Clay 32065 Florida View Map
Mayo Lafayette 32066 Florida View Map
Orange Park Clay 32067 Florida View Map
Middleburg Clay 32068 Florida View Map
O Brien Suwannee 32071 Florida View Map
Olustee Baker 32072 Florida View Map
Orange Park Clay 32073 Florida View Map
Penney Farms Clay 32079 Florida View Map
Saint Auguse Saint Johns 32080 Florida View Map
Ponte Vedra Saint Johns 32081 Florida View Map
Ponte Vedra Beach Saint Johns 32082 Florida View Map
Raiford Union 32083 Florida View Map
Saint Auguse Saint Johns 32084 Florida View Map
Saint Auguse Saint Johns 32085 Florida View Map
Saint Auguse Saint Johns 32086 Florida View Map
Sanderson Baker 32087 Florida View Map
Starke Bradford 32091 Florida View Map
Saint Auguse Saint Johns 32092 Florida View Map
Wellborn Suwannee 32094 Florida View Map
Saint Auguse Saint Johns 32095 Florida View Map
White Springs Hamilton 32096 Florida View Map
Yulee Nassau 32097 Florida View Map
Jacksonville Duval 32099 Florida View Map
Astor Lake 32102 Florida View Map
Barberville Volusia 32105 Florida View Map
Bunnell Flagler 32110 Florida View Map
Candler Marion 32111 Florida View Map
Crescent City Putnam 32112 Florida View Map
Citra Marion 32113 Florida View Map
Daytona Beach Volusia 32114 Florida View Map
Daytona Beach Volusia 32115 Florida View Map
Daytona Beach Volusia 32116 Florida View Map
Daytona Beach Volusia 32117 Florida View Map
Daytona Beach Volusia 32118 Florida View Map
Daytona Beach Volusia 32119 Florida View Map
Daytona Beach Volusia 32120 Florida View Map
Daytona Beach Volusia 32121 Florida View Map
Daytona Beach Volusia 32122 Florida View Map
Port Orange Volusia 32123 Florida View Map
Daytona Beach Volusia 32124 Florida View Map
Daytona Beach Volusia 32125 Florida View Map
Daytona Beach Volusia 32126 Florida View Map
Port Orange Volusia 32127 Florida View Map
Port Orange Volusia 32128 Florida View Map
Port Orange Volusia 32129 Florida View Map
De Leon Springs Volusia 32130 Florida View Map
East Palatka Putnam 32131 Florida View Map
Edgewater Volusia 32132 Florida View Map
Eastlake Weir Marion 32133 Florida View Map
Fort Mc Coy Marion 32134 Florida View Map
Palm Coast Flagler 32135 Florida View Map
Flagler Beach Flagler 32136 Florida View Map
Palm Coast Flagler 32137 Florida View Map
Grandin Putnam 32138 Florida View Map
Georgetown Putnam 32139 Florida View Map
Florahome Putnam 32140 Florida View Map
Edgewater Volusia 32141 Florida View Map
Palm Coast Flagler 32142 Florida View Map
Hasgs Saint Johns 32145 Florida View Map
Hollister Putnam 32147 Florida View Map
Interlachen Putnam 32148 Florida View Map
Edgar Putnam 32149 Florida View Map
Lake Como Putnam 32157 Florida View Map
Lady Lake Lake 32158 Florida View Map
Lady Lake Lake 32159 Florida View Map
Lake Geneva Clay 32160 Florida View Map
Lady Lake Sumter 32162 Florida View Map
Palm Coast Flagler 32164 Florida View Map
New Smyrna Beach Volusia 32168 Florida View Map
New Smyrna Beach Volusia 32169 Florida View Map
New Smyrna Beach Volusia 32170 Florida View Map
Ormond Beach Volusia 32173 Florida View Map
Ormond Beach Volusia 32174 Florida View Map
Ormond Beach Volusia 32175 Florida View Map
Ormond Beach Volusia 32176 Florida View Map
Palatka Putnam 32177 Florida View Map
Palatka Putnam 32178 Florida View Map
Ocklawaha Marion 32179 Florida View Map
Pierson Volusia 32180 Florida View Map
Pomona Park Putnam 32181 Florida View Map
Orange Springs Marion 32182 Florida View Map
Ocklawaha Marion 32183 Florida View Map
Putnam Hall Putnam 32185 Florida View Map
San Mateo Putnam 32187 Florida View Map
Satsuma Putnam 32189 Florida View Map
Seville Volusia 32190 Florida View Map
Sparr Marion 32192 Florida View Map
Welaka Putnam 32193 Florida View Map
Weirsdale Marion 32195 Florida View Map
Daytona Beach Volusia 32198 Florida View Map
Jacksonville Duval 32201 Florida View Map
Jacksonville Duval 32202 Florida View Map
Jacksonville Duval 32203 Florida View Map
Jacksonville Duval 32204 Florida View Map
Jacksonville Duval 32205 Florida View Map
Jacksonville Duval 32206 Florida View Map
Jacksonville Duval 32207 Florida View Map
Jacksonville Duval 32208 Florida View Map
Jacksonville Duval 32209 Florida View Map
Jacksonville Duval 32210 Florida View Map
Jacksonville Duval 32211 Florida View Map
Jacksonville Duval 32212 Florida View Map
Jacksonville Duval 32214 Florida View Map
Jacksonville Duval 32215 Florida View Map
Jacksonville Duval 32216 Florida View Map
Jacksonville Duval 32217 Florida View Map
Jacksonville Duval 32218 Florida View Map
Jacksonville Duval 32219 Florida View Map
Jacksonville Duval 32220 Florida View Map
Jacksonville Duval 32221 Florida View Map
Jacksonville Duval 32222 Florida View Map
Jacksonville Duval 32223 Florida View Map
Jacksonville Duval 32224 Florida View Map
Jacksonville Duval 32225 Florida View Map
Jacksonville Duval 32226 Florida View Map
Jacksonville Duval 32227 Florida View Map
Jacksonville Duval 32228 Florida View Map
Jacksonville Duval 32229 Florida View Map
Jacksonville Duval 32230 Florida View Map
Jacksonville Duval 32231 Florida View Map
Jacksonville Duval 32232 Florida View Map
Atlantic Beach Duval 32233 Florida View Map
Jacksonville Duval 32234 Florida View Map
Jacksonville Duval 32235 Florida View Map
Jacksonville Duval 32236 Florida View Map
Jacksonville Duval 32237 Florida View Map
Jacksonville Duval 32238 Florida View Map
Jacksonville Duval 32239 Florida View Map
Jacksonville Beach Duval 32240 Florida View Map
Jacksonville Duval 32241 Florida View Map
Jacksonville Duval 32244 Florida View Map
Jacksonville Duval 32245 Florida View Map
Jacksonville Duval 32246 Florida View Map
Jacksonville Duval 32247 Florida View Map
Jacksonville Beach Duval 32250 Florida View Map
Jacksonville Duval 32254 Florida View Map
Jacksonville Duval 32255 Florida View Map
Jacksonville Duval 32256 Florida View Map
Jacksonville Duval 32257 Florida View Map
Jacksonville Duval 32258 Florida View Map
Saint Johns Saint Johns 32259 Florida View Map
Jacksonville Saint Johns 32260 Florida View Map
Neptune Beach Duval 32266 Florida View Map
Jacksonville Duval 32267 Florida View Map
Jacksonville Duval 32277 Florida View Map
Jacksonville Duval 32290 Florida View Map
Tallahassee Leon 32301 Florida View Map
Tallahassee Leon 32302 Florida View Map
Tallahassee Leon 32303 Florida View Map
Tallahassee Leon 32304 Florida View Map
Tallahassee Leon 32305 Florida View Map
Tallahassee Leon 32306 Florida View Map
Tallahassee Leon 32307 Florida View Map
Tallahassee Leon 32308 Florida View Map
Tallahassee Leon 32309 Florida View Map
Tallahassee Leon 32310 Florida View Map
Tallahassee Leon 32311 Florida View Map
Tallahassee Leon 32312 Florida View Map
Tallahassee Leon 32313 Florida View Map
Tallahassee Leon 32314 Florida View Map
Tallahassee Leon 32315 Florida View Map
Tallahassee Leon 32316 Florida View Map
Tallahassee Leon 32317 Florida View Map
Tallahassee Leon 32318 Florida View Map
Apalachicola Franklin 32320 Florida View Map
Bristol Liberty 32321 Florida View Map
Carrabelle Franklin 32322 Florida View Map
Lanark Village Franklin 32323 Florida View Map
Chattahoochee Gadsden 32324 Florida View Map
Crawfordville Wakulla 32326 Florida View Map
Crawfordville Wakulla 32327 Florida View Map
Eastpoint Franklin 32328 Florida View Map
Apalachicola Franklin 32329 Florida View Map
Greensboro Gadsden 32330 Florida View Map
Greenville Madison 32331 Florida View Map
Gretna Gadsden 32332 Florida View Map
Havana Gadsden 32333 Florida View Map
Hosford Liberty 32334 Florida View Map
Sumatra Liberty 32335 Florida View Map
Lamont Jefferson 32336 Florida View Map
Lloyd Jefferson 32337 Florida View Map
Madison Madison 32340 Florida View Map
Madison Madison 32341 Florida View Map
Midway Gadsden 32343 Florida View Map
Monticello Jefferson 32344 Florida View Map
Monticello Jefferson 32345 Florida View Map
Panacea Wakulla 32346 Florida View Map
Perry Taylor 32347 Florida View Map
Perry Taylor 32348 Florida View Map
Pinetta Madison 32350 Florida View Map
Quincy Gadsden 32351 Florida View Map
Quincy Gadsden 32352 Florida View Map
Quincy Gadsden 32353 Florida View Map
Saint Marks Wakulla 32355 Florida View Map
Salem Taylor 32356 Florida View Map
Shady Grove Taylor 32357 Florida View Map
Sopchoppy Wakulla 32358 Florida View Map
Steinhatchee Taylor 32359 Florida View Map
Telogia Liberty 32360 Florida View Map
Wacissa Jefferson 32361 Florida View Map
Woodville Leon 32362 Florida View Map
Tallahassee Leon 32395 Florida View Map
Tallahassee Leon 32399 Florida View Map
Panama City Bay 32401 Florida View Map
Panama City Bay 32402 Florida View Map
Panama City Bay 32403 Florida View Map
Panama City Bay 32404 Florida View Map
Panama City Bay 32405 Florida View Map
Panama City Bay 32406 Florida View Map
Panama City Beach Bay 32407 Florida View Map
Panama City Bay 32408 Florida View Map
Panama City Bay 32409 Florida View Map
Mexico Beach Bay 32410 Florida View Map
Panama City Bay 32411 Florida View Map
Panama City Bay 32412 Florida View Map
Panama City Beach Bay 32413 Florida View Map
Panama City Bay 32417 Florida View Map
Alford Jackson 32420 Florida View Map
Altha Calhoun 32421 Florida View Map
Argyle Walton 32422 Florida View Map
Bascom Jackson 32423 Florida View Map
Blountstown Calhoun 32424 Florida View Map
Bonifay Holmes 32425 Florida View Map
Campbellton Jackson 32426 Florida View Map
Caryville Washington 32427 Florida View Map
Chipley Washington 32428 Florida View Map
Clarksville Calhoun 32430 Florida View Map
Cottondale Jackson 32431 Florida View Map
Cypress Jackson 32432 Florida View Map
Defuniak Springs Walton 32433 Florida View Map
Mossy Head Walton 32434 Florida View Map
Defuniak Springs Walton 32435 Florida View Map
Ebro Washington 32437 Florida View Map
Fountain Bay 32438 Florida View Map
Freeport Walton 32439 Florida View Map
Graceville Jackson 32440 Florida View Map
Grand Ridge Jackson 32442 Florida View Map
Greenwood Jackson 32443 Florida View Map
Lynn Haven Bay 32444 Florida View Map
Malone Jackson 32445 Florida View Map
Marianna Jackson 32446 Florida View Map
Marianna Jackson 32447 Florida View Map
Marianna Jackson 32448 Florida View Map
Wewahitchka Calhoun 32449 Florida View Map
Noma Holmes 32452 Florida View Map
Point Washington Walton 32454 Florida View Map
Ponce De Leon Walton 32455 Florida View Map
Port Saint Joe Gulf 32456 Florida View Map
Port Saint Joe Gulf 32457 Florida View Map
Santa Rosa Beach Walton 32459 Florida View Map
Sneads Jackson 32460 Florida View Map
Rosemary Beach Walton 32461 Florida View Map
Vernon Washington 32462 Florida View Map
Wausau Washington 32463 Florida View Map
Westville Holmes 32464 Florida View Map
Wewahitchka Gulf 32465 Florida View Map
Youngstown Bay 32466 Florida View Map
Pensacola Escambia 32501 Florida View Map
Pensacola Escambia 32502 Florida View Map
Pensacola Escambia 32503 Florida View Map
Pensacola Escambia 32504 Florida View Map
Pensacola Escambia 32505 Florida View Map
Pensacola Escambia 32506 Florida View Map
Pensacola Escambia 32507 Florida View Map
Pensacola Escambia 32508 Florida View Map
Pensacola Escambia 32509 Florida View Map
Pensacola Escambia 32511 Florida View Map
Pensacola Escambia 32512 Florida View Map
Pensacola Escambia 32513 Florida View Map
Pensacola Escambia 32514 Florida View Map
Pensacola Escambia 32516 Florida View Map
Pensacola Escambia 32520 Florida View Map
Pensacola Escambia 32521 Florida View Map
Pensacola Escambia 32522 Florida View Map
Pensacola Escambia 32523 Florida View Map
Pensacola Escambia 32524 Florida View Map
Pensacola Escambia 32526 Florida View Map
Bagdad Santa Rosa 32530 Florida View Map
Baker Okaloosa 32531 Florida View Map
Cantonment Escambia 32533 Florida View Map
Pensacola Escambia 32534 Florida View Map
Century Escambia 32535 Florida View Map
Crestview Okaloosa 32536 Florida View Map
Milligan Okaloosa 32537 Florida View Map
Paxton Walton 32538 Florida View Map
Crestview Okaloosa 32539 Florida View Map
Des Okaloosa 32540 Florida View Map
Des Okaloosa 32541 Florida View Map
Eglin Afb Okaloosa 32542 Florida View Map
Hurlburt Field Okaloosa 32544 Florida View Map
Fort Walton Beach Okaloosa 32547 Florida View Map
Fort Walton Beach Okaloosa 32548 Florida View Map
Fort Walton Beach Okaloosa 32549 Florida View Map
Miramar Beach Walton 32550 Florida View Map
Pensacola Escambia 32559 Florida View Map
Gonzalez Escambia 32560 Florida View Map
Gulf Breeze Santa Rosa 32561 Florida View Map
Gulf Breeze Santa Rosa 32562 Florida View Map
Gulf Breeze Santa Rosa 32563 Florida View Map
Holt Okaloosa 32564 Florida View Map
Jay Santa Rosa 32565 Florida View Map
Navarre Santa Rosa 32566 Florida View Map
Laurel Hill Okaloosa 32567 Florida View Map
Mc David Escambia 32568 Florida View Map
Mary Esther Okaloosa 32569 Florida View Map
Milton Santa Rosa 32570 Florida View Map
Milton Santa Rosa 32571 Florida View Map
Milton Santa Rosa 32572 Florida View Map
Molino Escambia 32577 Florida View Map
Niceville Okaloosa 32578 Florida View Map
Shalimar Okaloosa 32579 Florida View Map
Valparaiso Okaloosa 32580 Florida View Map
Milton Santa Rosa 32583 Florida View Map
Niceville Okaloosa 32588 Florida View Map
Pensacola Escambia 32590 Florida View Map
Pensacola Escambia 32591 Florida View Map
Pensacola Escambia 32592 Florida View Map
Gainesville Alachua 32601 Florida View Map
Gainesville Alachua 32602 Florida View Map
Gainesville Alachua 32603 Florida View Map
Gainesville Alachua 32604 Florida View Map
Gainesville Alachua 32605 Florida View Map
Gainesville Alachua 32606 Florida View Map
Gainesville Alachua 32607 Florida View Map
Gainesville Alachua 32608 Florida View Map
Gainesville Alachua 32609 Florida View Map
Gainesville Alachua 32610 Florida View Map
Gainesville Alachua 32611 Florida View Map
Gainesville Alachua 32612 Florida View Map
Gainesville Alachua 32613 Florida View Map
Gainesville Alachua 32614 Florida View Map
Alachua Alachua 32615 Florida View Map
Alachua Alachua 32616 Florida View Map
Anthony Marion 32617 Florida View Map
Archer Alachua 32618 Florida View Map
Bell Gilchrist 32619 Florida View Map
Bronson Levy 32621 Florida View Map
Brooker Bradford 32622 Florida View Map
Cedar Key Levy 32625 Florida View Map
Chiefland Levy 32626 Florida View Map
Gainesville Alachua 32627 Florida View Map
Cross City Dixie 32628 Florida View Map
Earleton Alachua 32631 Florida View Map
Evinston Alachua 32633 Florida View Map
Fairfield Marion 32634 Florida View Map
Gainesville Alachua 32635 Florida View Map
Gulf Hammock Levy 32639 Florida View Map
Hawthorne Alachua 32640 Florida View Map
Gainesville Alachua 32641 Florida View Map
High Springs Alachua 32643 Florida View Map
Chiefland Levy 32644 Florida View Map
Horseshoe Beach Dixie 32648 Florida View Map
Gainesville Alachua 32653 Florida View Map
Island Grove Alachua 32654 Florida View Map
High Springs Alachua 32655 Florida View Map
Keystone Heights Clay 32656 Florida View Map
La Crosse Alachua 32658 Florida View Map
Lochloosa Alachua 32662 Florida View Map
Lowell Marion 32663 Florida View Map
Mc Intosh Marion 32664 Florida View Map
Melrose Putnam 32666 Florida View Map
Micanopy Alachua 32667 Florida View Map
Morriston Levy 32668 Florida View Map
Newberry Alachua 32669 Florida View Map
Old Town Dixie 32680 Florida View Map
Orange Lake Marion 32681 Florida View Map
Otter Creek Levy 32683 Florida View Map
Reddick Marion 32686 Florida View Map
Suwannee Dixie 32692 Florida View Map
Trenton Gilchrist 32693 Florida View Map
Waldo Alachua 32694 Florida View Map
Williston Levy 32696 Florida View Map
Worthington Springs Union 32697 Florida View Map
Altamonte Springs Seminole 32701 Florida View Map
Altoona Lake 32702 Florida View Map
Apopka Orange 32703 Florida View Map
Apopka Orange 32704 Florida View Map
Cassadaga Volusia 32706 Florida View Map
Casselberry Seminole 32707 Florida View Map
Winter Springs Seminole 32708 Florida View Map
Christmas Orange 32709 Florida View Map
Clarcona Orange 32710 Florida View Map
Apopka Orange 32712 Florida View Map
Debary Volusia 32713 Florida View Map
Altamonte Springs Seminole 32714 Florida View Map
Altamonte Springs Seminole 32715 Florida View Map
Altamonte Springs Seminole 32716 Florida View Map
Casselberry Seminole 32718 Florida View Map
Winter Springs Seminole 32719 Florida View Map
Deland Volusia 32720 Florida View Map
Deland Volusia 32721 Florida View Map
Glenwood Volusia 32722 Florida View Map
Deland Volusia 32723 Florida View Map
Deland Volusia 32724 Florida View Map
Deltona Volusia 32725 Florida View Map
Eustis Lake 32726 Florida View Map
Eustis Lake 32727 Florida View Map
Deltona Volusia 32728 Florida View Map
Casselberry Seminole 32730 Florida View Map
Geneva Seminole 32732 Florida View Map
Goldenrod Seminole 32733 Florida View Map
Grand Island Lake 32735 Florida View Map
Eustis Lake 32736 Florida View Map
Deltona Volusia 32738 Florida View Map
Deltona Volusia 32739 Florida View Map
Lake Helen Volusia 32744 Florida View Map
Mid Florida Jumbo Lenders Seminole 32745 Florida View Map
Lake Mary Seminole 32746 Florida View Map
Lake Monroe Seminole 32747 Florida View Map
Longwood Seminole 32750 Florida View Map
Maitland Orange 32751 Florida View Map
Longwood Seminole 32752 Florida View Map
Debary Volusia 32753 Florida View Map
Mims Brevard 32754 Florida View Map
Mount Dora Lake 32756 Florida View Map
Mount Dora Lake 32757 Florida View Map
Oak Hill Volusia 32759 Florida View Map
Oviedo Seminole 32762 Florida View Map
Orange City Volusia 32763 Florida View Map
Osteen Volusia 32764 Florida View Map
Oviedo Seminole 32765 Florida View Map
Oviedo Seminole 32766 Florida View Map
Paisley Lake 32767 Florida View Map
Plymouth Orange 32768 Florida View Map
Sanford Seminole 32771 Florida View Map
Sanford Seminole 32772 Florida View Map
Sanford Seminole 32773 Florida View Map
Orange City Volusia 32774 Florida View Map
Scottsmoor Brevard 32775 Florida View Map
Sorrento Lake 32776 Florida View Map
Tangerine Orange 32777 Florida View Map
Tavares Lake 32778 Florida View Map
Longwood Seminole 32779 Florida View Map
Titusville Brevard 32780 Florida View Map
Titusville Brevard 32781 Florida View Map
Titusville Brevard 32782 Florida View Map
Titusville Brevard 32783 Florida View Map
Umatilla Lake 32784 Florida View Map
Winter Park Orange 32789 Florida View Map
Winter Park Orange 32790 Florida View Map
Longwood Seminole 32791 Florida View Map
Winter Park Orange 32792 Florida View Map
Winter Park Orange 32793 Florida View Map
Maitland Orange 32794 Florida View Map
Lake Mary Seminole 32795 Florida View Map
Titusville Brevard 32796 Florida View Map
Zellwood Orange 32798 Florida View Map
Mid Florida Jumbo Lenders Seminole 32799 Florida View Map
Orlando Orange 32801 Florida View Map
Orlando Orange 32802 Florida View Map
Orlando Orange 32803 Florida View Map
Orlando Orange 32804 Florida View Map
Orlando Orange 32805 Florida View Map
Orlando Orange 32806 Florida View Map
Orlando Orange 32807 Florida View Map
Orlando Orange 32808 Florida View Map
Orlando Orange 32809 Florida View Map
Orlando Orange 32810 Florida View Map
Orlando Orange 32811 Florida View Map
Orlando Orange 32812 Florida View Map
Orlando Orange 32814 Florida View Map
Orlando Brevard 32815 Florida View Map
Orlando Orange 32816 Florida View Map
Orlando Orange 32817 Florida View Map
Orlando Orange 32818 Florida View Map
Orlando Orange 32819 Florida View Map
Orlando Orange 32820 Florida View Map
Orlando Orange 32821 Florida View Map
Orlando Orange 32822 Florida View Map
Orlando Orange 32824 Florida View Map
Orlando Orange 32825 Florida View Map
Orlando Orange 32826 Florida View Map
Orlando Orange 32827 Florida View Map
Orlando Orange 32828 Florida View Map
Orlando Orange 32829 Florida View Map
Orlando Orange 32830 Florida View Map
Orlando Orange 32831 Florida View Map
Orlando Orange 32832 Florida View Map
Orlando Orange 32833 Florida View Map
Orlando Orange 32834 Florida View Map
Orlando Orange 32835 Florida View Map
Orlando Orange 32836 Florida View Map
Orlando Orange 32837 Florida View Map
Orlando Orange 32839 Florida View Map
Orlando Orange 32853 Florida View Map
Orlando Orange 32854 Florida View Map
Orlando Orange 32855 Florida View Map
Orlando Orange 32856 Florida View Map
Orlando Orange 32857 Florida View Map
Orlando Orange 32858 Florida View Map
Orlando Orange 32859 Florida View Map
Orlando Orange 32860 Florida View Map
Orlando Orange 32861 Florida View Map
Orlando Orange 32862 Florida View Map
Orlando Orange 32867 Florida View Map
Orlando Orange 32868 Florida View Map
Orlando Orange 32869 Florida View Map
Orlando Orange 32872 Florida View Map
Orlando Orange 32877 Florida View Map
Orlando Orange 32878 Florida View Map
Orlando Orange 32885 Florida View Map
Orlando Orange 32886 Florida View Map
Orlando Orange 32887 Florida View Map
Orlando Orange 32890 Florida View Map
Orlando Orange 32891 Florida View Map
Orlando Orange 32893 Florida View Map
Orlando Orange 32896 Florida View Map
Orlando Orange 32897 Florida View Map
Orlando Orange 32898 Florida View Map
Orlando Brevard 32899 Florida View Map
Melbourne Brevard 32901 Florida View Map
Melbourne Brevard 32902 Florida View Map
Indialantic Brevard 32903 Florida View Map
Melbourne Brevard 32904 Florida View Map
Palm Bay Brevard 32905 Florida View Map
Palm Bay Brevard 32906 Florida View Map
Palm Bay Brevard 32907 Florida View Map
Palm Bay Brevard 32908 Florida View Map
Palm Bay Brevard 32909 Florida View Map
Palm Bay Brevard 32910 Florida View Map
Palm Bay Brevard 32911 Florida View Map
Melbourne Brevard 32912 Florida View Map
Melbourne Brevard 32919 Florida View Map
Cape Canaveral Brevard 32920 Florida View Map
Cocoa Brevard 32922 Florida View Map
Cocoa Brevard 32923 Florida View Map
Cocoa Brevard 32924 Florida View Map
Patrick Afb Brevard 32925 Florida View Map
Cocoa Brevard 32926 Florida View Map
Cocoa Brevard 32927 Florida View Map
Cocoa Beach Brevard 32931 Florida View Map
Cocoa Beach Brevard 32932 Florida View Map
Melbourne Brevard 32934 Florida View Map
Melbourne Brevard 32935 Florida View Map
Melbourne Brevard 32936 Florida View Map
Satellite Beach Brevard 32937 Florida View Map
Melbourne Brevard 32940 Florida View Map
Melbourne Brevard 32941 Florida View Map
Fellsmere Indian River 32948 Florida View Map
Grant Brevard 32949 Florida View Map
Malabar Brevard 32950 Florida View Map
Melbourne Beach Brevard 32951 Florida View Map
Merritt Island Brevard 32952 Florida View Map
Merritt Island Brevard 32953 Florida View Map
Merritt Island Brevard 32954 Florida View Map
Rockledge Brevard 32955 Florida View Map
Rockledge Brevard 32956 Florida View Map
Roseland Indian River 32957 Florida View Map
Sebastian Indian River 32958 Florida View Map
Sharpes Brevard 32959 Florida View Map
Vero Beach Indian River 32960 Florida View Map
Vero Beach Indian River 32961 Florida View Map
Vero Beach Indian River 32962 Florida View Map
Vero Beach Indian River 32963 Florida View Map
Vero Beach Indian River 32964 Florida View Map
Vero Beach Indian River 32965 Florida View Map
Vero Beach Indian River 32966 Florida View Map
Vero Beach Indian River 32967 Florida View Map
Vero Beach Indian River 32968 Florida View Map
Vero Beach Indian River 32969 Florida View Map
Wabasso Indian River 32970 Florida View Map
Winter Beach Indian River 32971 Florida View Map
Sebastian Brevard 32976 Florida View Map
Sebastian Indian River 32978 Florida View Map
Long Key Monroe 33001 Florida View Map
Hialeah Miami-dade 33002 Florida View Map
Dania Broward 33004 Florida View Map
Hallandale Broward 33008 Florida View Map
Hallandale Broward 33009 Florida View Map
Hialeah Miami-dade 33010 Florida View Map
Hialeah Miami-dade 33011 Florida View Map
Hialeah Miami-dade 33012 Florida View Map
Hialeah Miami-dade 33013 Florida View Map
Hialeah Miami-dade 33014 Florida View Map
Hialeah Miami-dade 33015 Florida View Map
Hialeah Miami-dade 33016 Florida View Map
Hialeah Miami-dade 33017 Florida View Map
Hialeah Miami-dade 33018 Florida View Map
Hollywood Broward 33019 Florida View Map
Hollywood Broward 33020 Florida View Map
Hollywood Broward 33021 Florida View Map
Hollywood Broward 33022 Florida View Map
Hollywood Broward 33023 Florida View Map
Hollywood Broward 33024 Florida View Map
Hollywood Broward 33025 Florida View Map
Hollywood Broward 33026 Florida View Map
Hollywood Broward 33027 Florida View Map
Hollywood Broward 33028 Florida View Map
Hollywood Broward 33029 Florida View Map
Homestead Miami-dade 33030 Florida View Map
Homestead Miami-dade 33031 Florida View Map
Homestead Miami-dade 33032 Florida View Map
Homestead Miami-dade 33033 Florida View Map
Homestead Miami-dade 33034 Florida View Map
Homestead Miami-dade 33035 Florida View Map
Islamorada Monroe 33036 Florida View Map
Key Largo Monroe 33037 Florida View Map
Homestead Miami-dade 33039 Florida View Map
Key West Monroe 33040 Florida View Map
Key West Monroe 33041 Florida View Map
Summerland Key Monroe 33042 Florida View Map
Big Pine Key Monroe 33043 Florida View Map
Key West Monroe 33045 Florida View Map
Marathon Monroe 33050 Florida View Map
Key Colony Beach Monroe 33051 Florida View Map
Marathon Shores Monroe 33052 Florida View Map
Opa Locka Miami-dade 33054 Florida View Map
Opa Locka Miami-dade 33055 Florida View Map
Opa Locka Miami-dade 33056 Florida View Map
Pompano Beach Broward 33060 Florida View Map
Pompano Beach Broward 33061 Florida View Map
Pompano Beach Broward 33062 Florida View Map
Pompano Beach Broward 33063 Florida View Map
Pompano Beach Broward 33064 Florida View Map
Pompano Beach Broward 33065 Florida View Map
Pompano Beach Broward 33066 Florida View Map
Pompano Beach Broward 33067 Florida View Map
Pompano Beach Broward 33068 Florida View Map
Pompano Beach Broward 33069 Florida View Map
Tavernier Monroe 33070 Florida View Map
Pompano Beach Broward 33071 Florida View Map
Pompano Beach Broward 33072 Florida View Map
Pompano Beach Broward 33073 Florida View Map
Pompano Beach Broward 33074 Florida View Map
Pompano Beach Broward 33075 Florida View Map
Pompano Beach Broward 33076 Florida View Map
Pompano Beach Broward 33077 Florida View Map
Hollywood Broward 33081 Florida View Map
Pembroke Pines Broward 33082 Florida View Map
Hollywood Broward 33083 Florida View Map
Hollywood Broward 33084 Florida View Map
Homestead Miami-dade 33090 Florida View Map
Homestead Miami-dade 33092 Florida View Map
Coconut Creek Broward 33093 Florida View Map
Pompano Beach Broward 33093 Florida View Map
Pompano Beach Broward 33097 Florida View Map
Miami Miami-dade 33101 Florida View Map
Miami Miami-dade 33102 Florida View Map
Miami Miami-dade 33107 Florida View Map
Miami Beach Miami-dade 33109 Florida View Map
Miami Miami-dade 33110 Florida View Map
Miami Miami-dade 33111 Florida View Map
Miami Miami-dade 33112 Florida View Map
Miami Miami-dade 33114 Florida View Map
Miami Miami-dade 33116 Florida View Map
Miami Beach Miami-dade 33119 Florida View Map
Miami Miami-dade 33121 Florida View Map
Miami Miami-dade 33122 Florida View Map
Miami Miami-dade 33124 Florida View Map
Miami Miami-dade 33125 Florida View Map
Miami Miami-dade 33126 Florida View Map
Miami Miami-dade 33127 Florida View Map
Miami Miami-dade 33128 Florida View Map
Miami Miami-dade 33129 Florida View Map
Miami Miami-dade 33130 Florida View Map
Miami Miami-dade 33131 Florida View Map
Miami Miami-dade 33132 Florida View Map
Miami Miami-dade 33133 Florida View Map
Miami Miami-dade 33134 Florida View Map
Miami Miami-dade 33135 Florida View Map
Miami Miami-dade 33136 Florida View Map
Miami Miami-dade 33137 Florida View Map
Miami Miami-dade 33138 Florida View Map
Miami Beach Miami-dade 33139 Florida View Map
Miami Beach Miami-dade 33140 Florida View Map
Miami Beach Miami-dade 33141 Florida View Map
Miami Miami-dade 33142 Florida View Map
Miami Miami-dade 33143 Florida View Map
Miami Miami-dade 33144 Florida View Map
Miami Miami-dade 33145 Florida View Map
Miami Miami-dade 33146 Florida View Map
Miami Miami-dade 33147 Florida View Map
Miami Miami-dade 33148 Florida View Map
Key Biscayne Miami-dade 33149 Florida View Map
Miami Miami-dade 33150 Florida View Map
Miami Miami-dade 33151 Florida View Map
Miami Miami-dade 33152 Florida View Map
Miami Miami-dade 33153 Florida View Map
Miami Beach Miami-dade 33154 Florida View Map
Miami Miami-dade 33155 Florida View Map
Miami Miami-dade 33156 Florida View Map
Miami Miami-dade 33157 Florida View Map
Miami Miami-dade 33158 Florida View Map
Miami Miami-dade 33159 Florida View Map
North Miami Beach Miami-dade 33160 Florida View Map
Miami Miami-dade 33161 Florida View Map
Miami Miami-dade 33162 Florida View Map
Miami Miami-dade 33163 Florida View Map
Miami Miami-dade 33164 Florida View Map
Miami Miami-dade 33165 Florida View Map
Miami Miami-dade 33166 Florida View Map
Miami Miami-dade 33167 Florida View Map
Miami Miami-dade 33168 Florida View Map
Miami Miami-dade 33169 Florida View Map
Miami Miami-dade 33170 Florida View Map
Miami Miami-dade 33172 Florida View Map
Miami Miami-dade 33173 Florida View Map
Miami Miami-dade 33174 Florida View Map
Miami Miami-dade 33175 Florida View Map
Miami Miami-dade 33176 Florida View Map
Miami Miami-dade 33177 Florida View Map
Miami Miami-dade 33178 Florida View Map
Miami Miami-dade 33179 Florida View Map
Miami Miami-dade 33180 Florida View Map
Miami Miami-dade 33181 Florida View Map
Miami Miami-dade 33182 Florida View Map
Miami Miami-dade 33183 Florida View Map
Miami Miami-dade 33184 Florida View Map
Miami Miami-dade 33185 Florida View Map
Miami Miami-dade 33186 Florida View Map
Miami Miami-dade 33187 Florida View Map
Miami Miami-dade 33188 Florida View Map
Miami Miami-dade 33189 Florida View Map
Miami Miami-dade 33190 Florida View Map
Miami Miami-dade 33193 Florida View Map
Miami Miami-dade 33194 Florida View Map
Miami Miami-dade 33195 Florida View Map
Miami Miami-dade 33196 Florida View Map
Miami Miami-dade 33197 Florida View Map
Miami Miami-dade 33199 Florida View Map
Miami Miami-dade 33231 Florida View Map
Miami Miami-dade 33233 Florida View Map
Miami Miami-dade 33234 Florida View Map
Miami Miami-dade 33238 Florida View Map
Miami Beach Miami-dade 33239 Florida View Map
Miami Miami-dade 33242 Florida View Map
Miami Miami-dade 33243 Florida View Map
Miami Miami-dade 33245 Florida View Map
Miami Miami-dade 33247 Florida View Map
Miami Miami-dade 33255 Florida View Map
Miami Miami-dade 33256 Florida View Map
Miami Miami-dade 33257 Florida View Map
Miami Miami-dade 33261 Florida View Map
Miami Miami-dade 33265 Florida View Map
Miami Miami-dade 33266 Florida View Map
Miami Miami-dade 33269 Florida View Map
Miami Miami-dade 33280 Florida View Map
Miami Miami-dade 33283 Florida View Map
Miami Miami-dade 33296 Florida View Map
Miami Miami-dade 33299 Florida View Map
Fort Lauderdale Broward 33301 Florida View Map
Fort Lauderdale Broward 33302 Florida View Map
Fort Lauderdale Broward 33303 Florida View Map
Fort Lauderdale Broward 33304 Florida View Map
Fort Lauderdale Broward 33305 Florida View Map
Fort Lauderdale Broward 33306 Florida View Map
Fort Lauderdale Broward 33307 Florida View Map
Fort Lauderdale Broward 33308 Florida View Map
Fort Lauderdale Broward 33309 Florida View Map
Fort Lauderdale Broward 33310 Florida View Map
Fort Lauderdale Broward 33311 Florida View Map
Fort Lauderdale Broward 33312 Florida View Map
Fort Lauderdale Broward 33313 Florida View Map
Fort Lauderdale Broward 33314 Florida View Map
Fort Lauderdale Broward 33315 Florida View Map
Fort Lauderdale Broward 33316 Florida View Map
Fort Lauderdale Broward 33317 Florida View Map
Fort Lauderdale Broward 33318 Florida View Map
Fort Lauderdale Broward 33319 Florida View Map
Fort Lauderdale Broward 33320 Florida View Map
Fort Lauderdale Broward 33321 Florida View Map
Fort Lauderdale Broward 33322 Florida View Map
Fort Lauderdale Broward 33323 Florida View Map
Fort Lauderdale Broward 33324 Florida View Map
Fort Lauderdale Broward 33325 Florida View Map
Fort Lauderdale Broward 33326 Florida View Map
Fort Lauderdale Broward 33327 Florida View Map
Fort Lauderdale Broward 33328 Florida View Map
Fort Lauderdale Broward 33329 Florida View Map
Fort Lauderdale Broward 33330 Florida View Map
Fort Lauderdale Broward 33331 Florida View Map
Fort Lauderdale Broward 33332 Florida View Map
Fort Lauderdale Broward 33334 Florida View Map
Fort Lauderdale Broward 33335 Florida View Map
Fort Lauderdale Broward 33336 Florida View Map
Fort Lauderdale Broward 33337 Florida View Map
Fort Lauderdale Broward 33338 Florida View Map
Fort Lauderdale Broward 33339 Florida View Map
Fort Lauderdale Broward 33340 Florida View Map
Fort Lauderdale Broward 33345 Florida View Map
Fort Lauderdale Broward 33346 Florida View Map
Fort Lauderdale Broward 33348 Florida View Map
Fort Lauderdale Broward 33349 Florida View Map
Fort Lauderdale Broward 33351 Florida View Map
Fort Lauderdale Broward 33355 Florida View Map
Fort Lauderdale Broward 33359 Florida View Map
Fort Lauderdale Broward 33388 Florida View Map
Fort Lauderdale Broward 33394 Florida View Map
West Palm Beach Palm Beach 33401 Florida View Map
West Palm Beach Palm Beach 33402 Florida View Map
West Palm Beach Palm Beach 33403 Florida View Map
West Palm Beach Palm Beach 33404 Florida View Map
West Palm Beach Palm Beach 33405 Florida View Map
West Palm Beach Palm Beach 33406 Florida View Map
West Palm Beach Palm Beach 33407 Florida View Map
North Palm Beach Palm Beach 33408 Florida View Map
West Palm Beach Palm Beach 33409 Florida View Map
Palm Beach Gardens Palm Beach 33410 Florida View Map
West Palm Beach Palm Beach 33411 Florida View Map
West Palm Beach Palm Beach 33412 Florida View Map
West Palm Beach Palm Beach 33413 Florida View Map
West Palm Beach Palm Beach 33414 Florida View Map
West Palm Beach Palm Beach 33415 Florida View Map
West Palm Beach Palm Beach 33416 Florida View Map
West Palm Beach Palm Beach 33417 Florida View Map
Palm Beach Gardens Palm Beach 33418 Florida View Map
West Palm Beach Palm Beach 33419 Florida View Map
West Palm Beach Palm Beach 33420 Florida View Map
West Palm Beach Palm Beach 33421 Florida View Map
West Palm Beach Palm Beach 33422 Florida View Map
Boynton Beach Palm Beach 33424 Florida View Map
Boynton Beach Palm Beach 33425 Florida View Map
Boynton Beach Palm Beach 33426 Florida View Map
Boca Raton Palm Beach 33427 Florida View Map
Boca Raton Palm Beach 33428 Florida View Map
Boca Raton Palm Beach 33429 Florida View Map
Belle Glade Palm Beach 33430 Florida View Map
Boca Raton Palm Beach 33431 Florida View Map
Boca Raton Palm Beach 33432 Florida View Map
Boca Raton Palm Beach 33433 Florida View Map
Boca Raton Palm Beach 33434 Florida View Map
Boynton Beach Palm Beach 33435 Florida View Map
Boynton Beach Palm Beach 33436 Florida View Map
Boynton Beach Palm Beach 33437 Florida View Map
Canal Point Palm Beach 33438 Florida View Map
Bryant Palm Beach 33439 Florida View Map
Clewiston Hendry 33440 Florida View Map
Deerfield Beach Broward 33441 Florida View Map
Deerfield Beach Broward 33442 Florida View Map
Deerfield Beach Broward 33443 Florida View Map
Delray Beach Palm Beach 33444 Florida View Map
Delray Beach Palm Beach 33445 Florida View Map
Delray Beach Palm Beach 33446 Florida View Map
Delray Beach Palm Beach 33447 Florida View Map
Delray Beach Palm Beach 33448 Florida View Map
Lake Worth Palm Beach 33454 Florida View Map
Hobe Sound Martin 33455 Florida View Map
Jupiter Palm Beach 33458 Florida View Map
Lake Harbor Palm Beach 33459 Florida View Map
Lake Worth Palm Beach 33460 Florida View Map
Lake Worth Palm Beach 33461 Florida View Map
Lake Worth Palm Beach 33462 Florida View Map
Lake Worth Palm Beach 33463 Florida View Map
Boca Raton Palm Beach 33464 Florida View Map
Lake Worth Palm Beach 33465 Florida View Map
Lake Worth Palm Beach 33466 Florida View Map
Lake Worth Palm Beach 33467 Florida View Map
Jupiter Palm Beach 33468 Florida View Map
Jupiter Palm Beach 33469 Florida View Map
Loxahatchee Palm Beach 33470 Florida View Map
Moore Haven Glades 33471 Florida View Map
Boynton Beach Palm Beach 33474 Florida View Map
Hobe Sound Martin 33475 Florida View Map
Pahokee Palm Beach 33476 Florida View Map
Jupiter Palm Beach 33477 Florida View Map
Jupiter Palm Beach 33478 Florida View Map
Palm Beach Palm Beach 33480 Florida View Map
Boca Raton Palm Beach 33481 Florida View Map
Delray Beach Palm Beach 33482 Florida View Map
Delray Beach Palm Beach 33483 Florida View Map
Delray Beach Palm Beach 33484 Florida View Map
Boca Raton Palm Beach 33486 Florida View Map
Boca Raton Palm Beach 33487 Florida View Map
Boca Raton Palm Beach 33488 Florida View Map
South Bay Palm Beach 33493 Florida View Map
Boca Raton Palm Beach 33496 Florida View Map
Boca Raton Palm Beach 33497 Florida View Map
Boca Raton Palm Beach 33498 Florida View Map
Boca Raton Palm Beach 33499 Florida View Map
Balm Hillsborough 33503 Florida View Map
Brandon Hillsborough 33508 Florida View Map
Brandon Hillsborough 33509 Florida View Map
Brandon Hillsborough 33510 Florida View Map
Brandon Hillsborough 33511 Florida View Map
Bushnell Sumter 33513 Florida View Map
Center Hill Sumter 33514 Florida View Map
Coleman Sumter 33521 Florida View Map
Dade City Pasco 33523 Florida View Map
Crystal Springs Pasco 33524 Florida View Map
Dade City Pasco 33525 Florida View Map
Dade City Pasco 33526 Florida View Map
Dover Hillsborough 33527 Florida View Map
Durant Hillsborough 33530 Florida View Map
Gibsonton Hillsborough 33534 Florida View Map
Lacoochee Pasco 33537 Florida View Map
Lake Panasoffkee Sumter 33538 Florida View Map
Zephyrhills Pasco 33539 Florida View Map
Zephyrhills Pasco 33540 Florida View Map
Zephyrhills Pasco 33541 Florida View Map
Zephyrhills Pasco 33542 Florida View Map
Wesley Chapel Pasco 33543 Florida View Map
Wesley Chapel Pasco 33544 Florida View Map
Lithia Hillsborough 33547 Florida View Map
Lutz Hillsborough 33548 Florida View Map
Lutz Hillsborough 33549 Florida View Map
Mango Hillsborough 33550 Florida View Map
Odessa Hillsborough 33556 Florida View Map
Lutz Hillsborough 33558 Florida View Map
Lutz Hillsborough 33559 Florida View Map
Plant City Hillsborough 33563 Florida View Map
Plant City Hillsborough 33564 Florida View Map
Plant City Hillsborough 33565 Florida View Map
Plant City Hillsborough 33566 Florida View Map
Plant City Hillsborough 33567 Florida View Map
Riverview Hillsborough 33568 Florida View Map
Riverview Hillsborough 33569 Florida View Map
Ruskin Hillsborough 33570 Florida View Map
Sun City Center Hillsborough 33571 Florida View Map
Apollo Beach Hillsborough 33572 Florida View Map
Sun City Center Hillsborough 33573 Florida View Map
Saint Leo Pasco 33574 Florida View Map
Ruskin Hillsborough 33575 Florida View Map
San Antonio Pasco 33576 Florida View Map
Seffner Hillsborough 33583 Florida View Map
Seffner Hillsborough 33584 Florida View Map
Sumterville Sumter 33585 Florida View Map
Sun City Hillsborough 33586 Florida View Map
Sydney Hillsborough 33587 Florida View Map
Thonotosassa Hillsborough 33592 Florida View Map
Trilby Pasco 33593 Florida View Map
Valrico Hillsborough 33594 Florida View Map
Valrico Hillsborough 33595 Florida View Map
Webster Sumter 33597 Florida View Map
Wimauma Hillsborough 33598 Florida View Map
Tampa Hillsborough 33601 Florida View Map
Tampa Hillsborough 33602 Florida View Map
Tampa Hillsborough 33603 Florida View Map
Tampa Hillsborough 33604 Florida View Map
Tampa Hillsborough 33605 Florida View Map
Tampa Hillsborough 33606 Florida View Map
Tampa Hillsborough 33607 Florida View Map
Tampa Hillsborough 33608 Florida View Map
Tampa Hillsborough 33609 Florida View Map
Tampa Hillsborough 33610 Florida View Map
Tampa Hillsborough 33611 Florida View Map
Tampa Hillsborough 33612 Florida View Map
Tampa Hillsborough 33613 Florida View Map
Tampa Hillsborough 33614 Florida View Map
Tampa Hillsborough 33615 Florida View Map
Tampa Hillsborough 33616 Florida View Map
Tampa Hillsborough 33617 Florida View Map
Tampa Hillsborough 33618 Florida View Map
Tampa Hillsborough 33619 Florida View Map
Tampa Hillsborough 33620 Florida View Map
Tampa Hillsborough 33621 Florida View Map
Tampa Hillsborough 33622 Florida View Map
Tampa Hillsborough 33623 Florida View Map
Tampa Hillsborough 33624 Florida View Map
Tampa Hillsborough 33625 Florida View Map
Tampa Hillsborough 33626 Florida View Map
Tampa Hillsborough 33629 Florida View Map
Tampa Hillsborough 33630 Florida View Map
Tampa Hillsborough 33631 Florida View Map
Tampa Hillsborough 33633 Florida View Map
Tampa Hillsborough 33634 Florida View Map
Tampa Hillsborough 33635 Florida View Map
Tampa Hillsborough 33637 Florida View Map
Tampa Hillsborough 33647 Florida View Map
Tampa Hillsborough 33650 Florida View Map
Tampa Hillsborough 33651 Florida View Map
Tampa Hillsborough 33655 Florida View Map
Tampa Hillsborough 33660 Florida View Map
Tampa Hillsborough 33661 Florida View Map
Tampa Hillsborough 33662 Florida View Map
Tampa Hillsborough 33663 Florida View Map
Tampa Hillsborough 33664 Florida View Map
Tampa Hillsborough 33672 Florida View Map
Tampa Hillsborough 33673 Florida View Map
Tampa Hillsborough 33674 Florida View Map
Tampa Hillsborough 33675 Florida View Map
Tampa Hillsborough 33677 Florida View Map
Tampa Hillsborough 33679 Florida View Map
Tampa Hillsborough 33680 Florida View Map
Tampa Hillsborough 33681 Florida View Map
Tampa Hillsborough 33682 Florida View Map
Tampa Hillsborough 33684 Florida View Map
Tampa Hillsborough 33685 Florida View Map
Tampa Hillsborough 33686 Florida View Map
Tampa Hillsborough 33687 Florida View Map
Tampa Hillsborough 33688 Florida View Map
Tampa Hillsborough 33689 Florida View Map
Tampa Hillsborough 33690 Florida View Map
Tampa Hillsborough 33694 Florida View Map
Tampa Hillsborough 33697 Florida View Map
Saint Petersburg Pinellas 33701 Florida View Map
Saint Petersburg Pinellas 33702 Florida View Map
Saint Petersburg Pinellas 33703 Florida View Map
Saint Petersburg Pinellas 33704 Florida View Map
Saint Petersburg Pinellas 33705 Florida View Map
Saint Petersburg Pinellas 33706 Florida View Map
Saint Petersburg Pinellas 33707 Florida View Map
Saint Petersburg Pinellas 33708 Florida View Map
Saint Petersburg Pinellas 33709 Florida View Map
Saint Petersburg Pinellas 33710 Florida View Map
Saint Petersburg Pinellas 33711 Florida View Map
Saint Petersburg Pinellas 33712 Florida View Map
Saint Petersburg Pinellas 33713 Florida View Map
Saint Petersburg Pinellas 33714 Florida View Map
Saint Petersburg Pinellas 33715 Florida View Map
Saint Petersburg Pinellas 33716 Florida View Map
Saint Petersburg Pinellas 33729 Florida View Map
Saint Petersburg Pinellas 33730 Florida View Map
Saint Petersburg Pinellas 33731 Florida View Map
Saint Petersburg Pinellas 33732 Florida View Map
Saint Petersburg Pinellas 33733 Florida View Map
Saint Petersburg Pinellas 33734 Florida View Map
Saint Petersburg Pinellas 33736 Florida View Map
Saint Petersburg Pinellas 33737 Florida View Map
Saint Petersburg Pinellas 33738 Florida View Map
Saint Petersburg Pinellas 33740 Florida View Map
Saint Petersburg Pinellas 33741 Florida View Map
Saint Petersburg Pinellas 33742 Florida View Map
Saint Petersburg Pinellas 33743 Florida View Map
Bay Pines Pinellas 33744 Florida View Map
Saint Petersburg Pinellas 33747 Florida View Map
Clearwater Pinellas 33755 Florida View Map
Clearwater Pinellas 33756 Florida View Map
Clearwater Pinellas 33757 Florida View Map
Clearwater Pinellas 33758 Florida View Map
Clearwater Pinellas 33759 Florida View Map
Clearwater Pinellas 33760 Florida View Map
Clearwater Pinellas 33761 Florida View Map
Clearwater Pinellas 33762 Florida View Map
Clearwater Pinellas 33763 Florida View Map
Clearwater Pinellas 33764 Florida View Map
Clearwater Pinellas 33765 Florida View Map
Clearwater Pinellas 33766 Florida View Map
Clearwater Beach Pinellas 33767 Florida View Map
Clearwater Pinellas 33769 Florida View Map
Largo Pinellas 33770 Florida View Map
Largo Pinellas 33771 Florida View Map
Seminole Pinellas 33772 Florida View Map
Largo Pinellas 33773 Florida View Map
Largo Pinellas 33774 Florida View Map
Seminole Pinellas 33775 Florida View Map
Seminole Pinellas 33776 Florida View Map
Seminole Pinellas 33777 Florida View Map
Largo Pinellas 33778 Florida View Map
Largo Pinellas 33779 Florida View Map
Pinellas Park Pinellas 33780 Florida View Map
Pinellas Park Pinellas 33781 Florida View Map
Pinellas Park Pinellas 33782 Florida View Map
Saint Petersburg Pinellas 33784 Florida View Map
Indian Rocks Beach Pinellas 33785 Florida View Map
Belleair Beach Pinellas 33786 Florida View Map
Lakeland Polk 33801 Florida View Map
Lakeland Polk 33802 Florida View Map
Lakeland Polk 33803 Florida View Map
Lakeland Polk 33804 Florida View Map
Lakeland Polk 33805 Florida View Map
Lakeland Polk 33806 Florida View Map
Lakeland Polk 33807 Florida View Map
Lakeland Polk 33809 Florida View Map
Lakeland Polk 33810 Florida View Map
Lakeland Polk 33811 Florida View Map
Lakeland Polk 33812 Florida View Map
Lakeland Polk 33813 Florida View Map
Lakeland Polk 33815 Florida View Map
Alturas Polk 33820 Florida View Map
Auburndale Polk 33823 Florida View Map
Avon Park Highlands 33825 Florida View Map
Avon Park Highlands 33826 Florida View Map
Babson Park Polk 33827 Florida View Map
Bartow Polk 33830 Florida View Map
Bartow Polk 33831 Florida View Map
Bowling Green Hardee 33834 Florida View Map
Bradley Polk 33835 Florida View Map
Davenport Polk 33836 Florida View Map
Davenport Polk 33837 Florida View Map
Dundee Polk 33838 Florida View Map
Eagle Lake Polk 33839 Florida View Map
Eaton Park Polk 33840 Florida View Map
Fort Meade Polk 33841 Florida View Map
Frostproof Polk 33843 Florida View Map
Haines City Polk 33844 Florida View Map
Haines City Polk 33845 Florida View Map
Highland City Polk 33846 Florida View Map
Homeland Polk 33847 Florida View Map
Intercession City Osceola 33848 Florida View Map
Kathleen Polk 33849 Florida View Map
Lake Alfred Polk 33850 Florida View Map
Lake Hamilton Polk 33851 Florida View Map
Lake Placid Highlands 33852 Florida View Map
Lake Wales Polk 33853 Florida View Map
Fedhaven Polk 33854 Florida View Map
Indian Lake Estates Polk 33855 Florida View Map
Nalcrest Polk 33856 Florida View Map
Lorida Highlands 33857 Florida View Map
Loughman Polk 33858 Florida View Map
Lake Wales Polk 33859 Florida View Map
Mulberry Polk 33860 Florida View Map
Lake Placid Highlands 33862 Florida View Map
Nichols Polk 33863 Florida View Map
Ona Hardee 33865 Florida View Map
River Ranch Polk 33867 Florida View Map
Polk City Polk 33868 Florida View Map
Sebring Highlands 33870 Florida View Map
Sebring Highlands 33871 Florida View Map
Sebring Highlands 33872 Florida View Map
Wauchula Hardee 33873 Florida View Map
Sebring Highlands 33875 Florida View Map
Sebring Highlands 33876 Florida View Map
Waverly Polk 33877 Florida View Map
Winter Haven Polk 33880 Florida View Map
Winter Haven Polk 33881 Florida View Map
Winter Haven Polk 33882 Florida View Map
Winter Haven Polk 33883 Florida View Map
Winter Haven Polk 33884 Florida View Map
Winter Haven Polk 33885 Florida View Map
Winter Haven Polk 33888 Florida View Map
Zolfo Springs Hardee 33890 Florida View Map
Davenport Polk 33896 Florida View Map
Davenport Polk 33897 Florida View Map
Lake Wales Polk 33898 Florida View Map
Fort Myers Lee 33901 Florida View Map
Fort Myers Lee 33902 Florida View Map
North Fort Myers Lee 33903 Florida View Map
Cape Coral Lee 33904 Florida View Map
Fort Myers Lee 33905 Florida View Map
Fort Myers Lee 33906 Florida View Map
Fort Myers Lee 33907 Florida View Map
Fort Myers Lee 33908 Florida View Map
Cape Coral Lee 33909 Florida View Map
Cape Coral Lee 33910 Florida View Map
Fort Myers Lee 33911 Florida View Map
Fort Myers Lee 33912 Florida View Map
Fort Myers Lee 33913 Florida View Map
Cape Coral Lee 33914 Florida View Map
Cape Coral Lee 33915 Florida View Map
Fort Myers Lee 33916 Florida View Map
North Fort Myers Lee 33917 Florida View Map
North Fort Myers Lee 33918 Florida View Map
Fort Myers Lee 33919 Florida