Miami FHA Mortgage Lender 97% Financing, Miami Dade Home Loans 97% Financing,
Miami Florida, FHA Mortgage Lender, www.FHAMortgagePrograms.com
FHA loans have been helping Pinellas county homebuyers become homeowners since 1934. How do we do it? The Federal Housing Administration (FHA) - which is part of HUD - insures the loan, so your lender can offer Pinellas county homebuyers and homeowners a better deal.
•· Low down payments
•· Low closing costs
•· Easy credit qualifying
What does FHA have for you?
Buying your first home?
FHA might be just what you need. Your down payment can be as low as 3% of the purchase price, and most of your closing costs and fees can be included in the loan. Available on 1-4 unit properties.
Want a fixer-upper?
FHA has a loan that allows you to buy a home, fix it up, and include all the costs in one loan. Or, if you own a home that you want to re-model or repair, you can refinance what you owe and add the cost of repairs - all in one loan.
Financial help for seniors
Are you 62 or older? Do you live in your home? Do you own it outright or have a low loan balance? If you can answer "yes" to all of these questions, then the FHA Reverse Mortgage might be right for you. It lets you convert a portion of your equity into cash.
Want to make your home more energy efficient?
You can include the costs of energy improvements into an FHA Energy-Efficient Mortgage.
How about manufactured housing and mobile homes?
Yes, FHA has financing for mobile homes and factory-built housing. We have two loan products - one for those who own the land that the home is on and another for mobile homes that are - or will be - located in mobile home parks.
The FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than other types of real estate mortgage home loan programs. Here are just some Examples of how FHA can help you buy a home,
Minimal Down Payment and Closing Costs.
· Down payment less than 3% of Sales Price
· 100% Financing options available
· No reserves or required.
· FHA regulated closing costs.
· Seller can credit up to 6% of sales price towards buyers costs.
Easier Credit Qualifying Guidelines such as:
· No minimum FICO score or credit score requirements.
· FHA will allow a home purchase 2 years after a Bankruptcy.
· FHA will allow a home purchase 3 years after a Foreclosure.
· Easier Debt Ratio & Job Requirement Guidelines such as:
· Higher Debt Ratio's than other home loan programs.
· Less than two years on the job is allowed.
· Self-Employed individuals o.k.
Apply for a Miami Florida FHA loan at www.FHAmortgagePrograms.com
Miami, Florida Home Loan Programs
Not two generations ago, it was difficult for Miami home buyers in Miami Florida to get a mortgage from their local financial institution without a 20% Downpayment. Few people could manage the savings required and many otherwise qualified Floridians didn't get approved for the funds to buy a home in Florida because they did not have the minimum Downpayment to qualify for a Florida Mortgage.
Although recent problems in the subprime market have made lenders more careful about how they extend credit, it's still very possible to buy a home in Miami Florida with little or no money down. To learn more about our Florida home buyer programs, just give us a call at 1-800-570-0448 or use our quick application to inquire today!
No Money Down Programs for Miami Florida Home Buyers
For sure, it is much easier today to be a Florida home buyer than it was a generation ago. Even if you don't have substantial savings or perfect credit, 1st Continental Mortgage works with many lenders still willing to make loans to borrowers with limited cash for Downpayment
In fact, today in Florida 7 out of 10 first time home buyers make a Downpayment of 10% or less. A good many Floridians buy their homes with no money down at all.
Because most people who sell an existing home have some equity which can be applied to making the Downpayment on the new home, no down payment financing is most attractive to Miami Florida first time home buyers. However, these loans are an option for all home buyers whether they have equity from a prior sale or not.
Don't be persuaded that your lack of a Downpayment means you can't become a Florida homeowner. Call 1-800-570-0448 or use our quick application to find out how simple it is to take advantage of 1st Continental Mortgage's excellent no money down mortgage programs.
With 10 plus years of helping home buyers and first time home buyers become homeowners, the skilled and experienced mortgage lenders of 1st Continental Mortgage can help you own a Florida home using these excellent no money down Mortgage programs:
- 106% Financing For Miami Florida Home buyers - Closing costs in Florida vary but typically run from 4-6 percent of the value of the transaction. Using a 106% Miami Florida mortgage is an excellent way to create a truly no money down home mortgage. Call 1-800-570-0448 to get pre-approved for this no money down program today! Quick Application!
- 105% Financing For Miami Florida Home buyers - Right now sellers of homes are a little more flexible in dealing with prospective Florida home buyers because of the slower Miami Florida housing market. That means 105% financing is often enough to produce a true no money down real estate transaction for the Florida real estate buyer, especially if your Realtor® can negotiate some help from the selling side. To learn more about our 105% mortgage programs, call 1-800-570-0448 or apply securely online for a no money down Florida mortgage. Quick Application!
- 103% Financing for Miami Florida Home buyers - Having an experienced Mortgage Lender working with you and your Realtor® in structuring your offer to purchase is one way that many Miami Florida home buyers get to the closing table with 103% financing. Our loan officers are standing by to answer any questions you might have about our mortgage programs for home buyers at 1-800-570-0448. Call now for a quote on 103% financing or any our other Florida lending no money down mortgage programs! We can get you a loan whether you're financing a modular home in Broward County or a single family block home in Orange County. We will make a fixed rate no money down home loan easy! Quick Application!
- 100% Financing For Miami Florida Home Buyers - Interest rates are at historic lows and an oversupply of well built homes with high days on market! Miami Florida home buyers should not let the lack of funds for a Downpayment make them miss what looks to be one of the best buying opportunities in Florida residential real estate in many years. A 1st Continental Mortgage representative will be happy to discuss how you can buy your Florida home with 100% finance lending. Call 1-800-570-0448, or inquire using our contact form for a no obligation quote on 100% financing from our best Florida lenders. Quick Application!
- 80/20 Financing For Miami Florida Home buyers - Although private mortgage insurance is now deductible in many cases, many of our Miami Florida mortgage clients want to avoid PMI but still get 100% financing. We have structured many combo loans with an 80% first mortgage and a 20% Second Mortgage or home equity line of credit to avoid PMI and still achieve a purchase money mortgage with no Downpayment requirements. Call 1-800-570-0448 or use our contact form for a quote on an 80/20 no money down combo mortgage to buy your Florida dream home. Quick Application!
- 97% Financing For Miami Florida Home buyers - A few years ago a seller's agent faced multiple offers and could pit Florida home buyers against each other in a bidding war before accepting the highest and best offer. Now home buyers can drive through subdivisions in most Florida metros and find plenty of for sale signs. Motivated seller's agents are receptive and often willing to kick in 3 to 9% toward buyer's closing costs and Downpayment without a corresponding increase in the offered price. In this way, even 97% financing can become the way to buy a Miami Florida home with very little money out of pocket. Call 1st Continental Mortgage right now at 1-800-570-0448 for full details on our 97% Florida mortgage loans. Quick Application!
Many First Time Home Buyers Are Eligible For No Money Down Mortgages
You may be pleasantly surprised how much money the same amount you are spending on rent every month can buy if you apply it toward a low fixed rate Florida mortgage. Why not take a step toward building equity for yourself and your family? Call 1st Continental Mortgage today at 1-800-570-0448 or use our secure online Florida mortgage quick application to get a no money down mortgage for a first time home buyer in Miami County or any of the other Florida counties we serve.
Quick and Easy No Money Down Programs for Miami Florida First Time Home Buyers
Some Florida first time home buyers hesitate because they think that the no money down loan process is too complicated or time consuming.
Not so.
1st Continental Mortgage pros have been making getting loan approvals for Florida first time home buyers easy, stress-free, and straightforward for over ten years now. We can help you get the keys to a Florida home that you own. Call 1-800-570-0448 and ask about our special Miami no money down first time home buyer mortgage programs.
Our no money down programs for Miami Florida home buyers include all of the following:
- Low fixed rate Miami Florida mortgages with terms of 40,30,20,15, and 10 years;
- First time home buyer programs for Miami Florida Jumbo and Super Jumbo Mortgages for the purchase of luxury homes;
- No money down mortgage first time home buyer programs that allow for contributions from the seller and use of gift programs to pay closing costs and prepaids;
- Florida no money down programs with Interest Only periods of 1, 3, 5, and ten years;
- Both conventional and FHA home loan programs designed specifically for first time home buyers with less than perfect credit who want a low cost alternative to a sub prime mortgage;
- Excellent programs for first time buyers seeking to purchase mobiles, modular or trailer homes with land.
Don't miss one of the best times to buy a home in Miami Florida because you don't have a Downpayment The call and consultation are free and without obligation. Call First Continental Mortgage at 1-800-570-0448 to learn more about buying your first Miami Florida home with no money down.
Other Miami Dade Resources
http://www.miamidade.gov/housing/, http://www.miamidade.gov/PA/ Miami-Dade Transit
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Port of Miami
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