Jeff Miller

FHA Home Loans Miami Dade, FHA LOAN Broward, FHA Mortgage Loans Palm Beach FHA Lender, Florida Miami Dade, Broward, Palm Beach FHA home loans 1ST Continental Mortgage is Miami Dade, Broward, and Palm Beach Florida FHA Mortgage Specialist. We are approved by HUD to originate FHA Mortgage loans throughout Miami Dade, Broward, and Palm Beach Florida and beyond. Visit our OFFICIAL Website at Click LINK>>1ST Continental Mortgage Florida's Mobile Home Loan Specialist. For the Best rate and Fastest Service on a Mobile Home Loan, Fill out a Quick Application 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 for Miami Homebuyers. 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 for Miami Homebuyers: 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. www.FHAmortgagePrograms.com Miami Dade, Broward, and Palm Beach FHA Mortgage Specialist. •· Low Down Payment of 3% and 100% financing options available. •· 95% of Appraised Value Cash-Out Refinance •· FHA Streamline Refinance •· NO Income Maximum Limits •· Gift Funds: 3% down payment can come from FRIEND, FAMILY MEMBER OR NON PROFIT •· Seller CAN PAY UP TO 6% OF YOUR CLOSING COST! •· Down Payment Assistance •· NO Cash Reserves Required •· Gap in Employment OK •· Self Employed 1-2 Yrs OK •· Permanent Alien OK •· NO pre-payment penalty •· FHA Secure Did you know, the FHA home loan provides more security to homeowners than ANY other mortgage program today? In cases of financial difficulty, you have a higher probability of NOT losing your home if you have an FHA home loan Vs. having a conventional or Sub-Prime mortgage loan. Plus, all FHA home loans are FULLY assumable, adding one more layer of protection for you and your family! Now Miami Dade, Broward, and Palm Beach home buyers can take advantage of the fact that Miami Dade, Broward, and Palm Beach FHA loans are available for them to purchase a new home anywhere in the state as well as refinance their existing home. Miami Dade, Broward, and Palm Beach FHA Loan FHA Loans, Miami Dade, Broward, and Palm Beach FHA Mortgages Miami Dade, Broward, and Palm Beach FHA Mortgage Lender offers LOW RATES Did you know, the FHA home loan provides more security to homeowners than ANY other mortgage program today? In cases of financial difficulty, you have a higher probability of NOT losing your home if you have an FHA home loan Vs. having a conventional or Sub-Prime mortgage loan. Plus, all FHA home loans are FULLY assumable, adding one more layer of protection for you and your family! We Provide FHA Home Loans in Miami Dade, Broward, and Palm Beach Fill out a quick Mortgage application and an FHA Mortgage rep will contact you Quck Mortgage Application California FHA home loans are easy to qualify for; the program was created to help to increase homeownership in the United States. FHA program makes buying a home easier and less expensive than other types of real estate mortgage Programs. Some examples of Advantages that FHA offers are as follows Minimal Down Payment and Closing Costs. Down payment less than 3% of Sales Price and 100% Financing options available Gift for down payment and closing costs are allowed up to 6% of Sales price. No reserves or savings required. Easy Credit Qualifying Guidelines No minimum FICO score or credit score requirements. FHA will allow a home purchase 2 years after a Bankruptcy. 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Broward County Florida FHA Loans, Broward County Florida FHA Mortgage, Broward County Florida FHA Home Loans, Broward County FHA Loan 97% Financing, Broward County FHA Mortgage, Broward County Florida FHA Loans, Broward County Florida FHA Mortgage,

For Broward County Florida banks and other mortgage lenders, FHA mortgage loan financing offers the security of a government insured Mortgage. Win/Win! To learn more, just use our fast and easy quick application!

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 an FHA Home Loan at
http://www.fhamortgageprograms.com/

Broward Florida FHA Loans

At one point and time many years ago, the FHA loan was the only alternative to local bank financing for home buyers. In the fashion world, there is a saying: Wait long enough, and everything comes back into style. That rule applies just as well to Broward Florida FHA mortgage program. Long-overlooked, the FHA mortgage is becoming popular again with Florida Home Buyers for its low rates and the real security it provides borrowers.

For Florida banks and other mortgage lenders, FHA mortgage loan financing offers the security of a government insured Mortgage. Win/Win! To learn more, call today at 1-800-570-0448 or just use our fast and easy quick application!

Search the Broward County and view homes for sale in every city in Broward County including Coconut Creek, Cooper City, Coral Springs, Dania Beach, Davie, Deerfield Beach, Fort Lauderdale, Hallandale Beach, Hillsboro Beach, Hollywood, Lazy Lake, Lauderdale-By-The-Sea, Lauderhill Lauderdale Lakes, Lighthouse Point, Margate Miramar, North Lauderdale, Oakland Park, Parkland, Pembroke Park, Pembroke Pines, Plantation, Pompano Beach, Sea Ranch Lakes, Southwest Ranches, Sunrise, Tamarac, Weston, West Park, Wilton Manors,

For first time home buyers and other borrowers, the FHA home loans can have key advantages:

Easy Qualification - The FHA loan insures lenders against loss for loans made to properly qualified FHA home loan borrowers. So you're likely to find FHA mortgage loans with terms that make it easier for you to qualify.

Minimal Downpayment Requirements - FHA mortgages can work with as little as 3% down and those funds can come from a family member, charity, or your employer. Although the FHA loan does not have a zero down mortgage option yet, you will find that your 1st Continental Mortgage loan officer can point you to many Downpayment assistance programs that work well with Florida FHA home loans.

Less than A-1 Credit is Okay - The Broward Florida FHA home loan program exists to expand the pool of home buyers. Even borrowers with prior bankruptcies or mortgage lates get approved every day for FHA mortgages to buy or Refinance homes in Hillsborough County or any of the other Florida counties we serve. The FHA loan program uses credit quality, not credit score!

Lower Cost Over the Life of the Loan - The Florida FHA home loan rates are extraordinarily competitive. FHA's lower risk to the lender means a better rate for the borrower.

Safeguards for Borrowers Who Get Behind - The Florida FHA loan mortgages also allow the lender more options in helping borrowers who fall behind keep their homes are get current again: special forbearance, workouts, even free mortgage counseling. Further, HUD can allow the lender to take past due payments and move them to the end of the loan and in some instance will actually pay your past due payments for you. Options to save your home you'll never get from a conventional loan! In an uncertain world, this is another excellent reason for you to get an FHA mortgage.

Options for Manufactured Housing - Under certain conditions, you can even finance a Mobile Home or manufactured home using a Florida FHA mortgage loan. Call 1-800-570-0448 to get pre-approved for a Florida FHA loan for manufactured housing or just use our quick application to learn more!

FHA Loans Are Fully Assumable - When you are ready to sell your home, you can offer buyers FHA financing! All FHA loans can be assumed by qualified buyers.

These are just seven of the many good reasons to apply for an FHA mortgage. Call 1-800-570-0448 to speak with a friendly Broward Florida FHA loan specialist now!

The FHA program has evolved since it started in 1934 and now has options for HUD insured loans that fit a variety of different borrowers and situations.

FHA Home Loans for Purchasing a Florida Home

Although Florida FHA home loans require additional paperwork, the reality is that applying for an FHA mortgage loan in Broward Florida is not much different from applying for conventional financing. In fact, for many borrowers the small amount of extra time turns out to be an exceptional mortgage bargain because they save thousands of dollars over the life of their Florida Mortgage.

At 1st Continental Mortgage, we have been working with the FHA program for many years. We're experts at assembling the proper paperwork and presenting your loan application to FHA approved lenders diligently and professionally. It's one of the ways that we have earned our reputation for closing FHA home loans in Florida on-time.

You may be surprised at how flexible sellers are in the current market and how many programs there are that provide Downpayment assistance to applicants for FHA financing to purchase Florida homes, condos, and townhouses. The fact is, seller can pay up to 6% towards your closing costs. This means, no closing costs for you when negotiated during the purchase contract!

The FHA program offers excellent fixed rate options and never a prepayment penalty. If other mortgage lenders are quoting you subprime rates, you owe it to yourself to make the call to 1st Continental Mortgage to compare the costs of getting an FHA home loan for your home purchase. Call 1-800-570-0448 to speak with an FHA mortgage expert before accepting any conventional mortgage quote as the best you can do!

Search the Broward County and view homes for sale in every city in Broward County including Coconut Creek, Cooper City, Coral Springs, Dania Beach, Davie, Deerfield Beach, Fort Lauderdale, Hallandale Beach, Hillsboro Beach, Hollywood, Lazy Lake, Lauderdale-By-The-Sea, Lauderhill Lauderdale Lakes, Lighthouse Point, Margate Miramar, North Lauderdale, Oakland Park, Parkland, Pembroke Park, Pembroke Pines, Plantation, Pompano Beach, Sea Ranch Lakes, Southwest Ranches, Sunrise, Tamarac, Weston, West Park, Wilton Manors,

FHA Home Loans Offer the Convenience of Streamlined Refinance

An FHA streamline refinance is one of the easiest home loans for Mortgage Lenders and borrowers. Since HUD approved you for the original FHA loan, the paperwork to refinance is minimal and the process is simple.

So long as you have made your Broward FL FHA loan mortgage payments on time for the previous 12 months, you can lower your monthly payment if interest rates go down with minimal out of pocket expense. Even if you have been late on your FHA mortgage, you might still qualify for an FHA streamline refinance in Florida under very specific conditions.

Less documentation and no appraisal are just two of the reasons a FHA streamline refinance is cheaper and faster for the borrowers who qualify.

FHA Mortgage Loan

Streamline Refinance Requirements

When your 1st Continental Mortgage lender helps you get a streamlined FHA refinance on your existing mortgage loan, he or she will make certain that you meet these conditions:

•· Your current mortgage must be an FHA mortgage.

•· You must have had your FHA Mortgage for at least 6 months.

•· You must have paid your mortgage on time for the most current 12 months.

•· Your FHA Streamline Refinance must lower the principal and interest portion of your mortgage payment by at least $50 or convert the mortgage from an ARM to a fixed rate FHA home loan.

•· You can't get cash out on the FHA streamline refi.

•· You must have an FHA appraisal if you are rolling the closing costs into the FHA streamline refinance.

•· Any existing liens on your Florida home must be subordinate to the new FHA mortgage.

FHA Mortgage Loan Refinance

Programs for Cashing Out Equity

Although a streamline refinance does not allow you to cash out equity, we have a FHA loan refinance program that is specifically designed for borrowers who want to cash out equity to consolidate debts, make home improvements or to access funds for other purposes.

Unlike many conventional loan programs, the FHA mortgage does not adjust the rate based upon loan to value or credit score. You will find the FHA has very reasonable underwriting guidelines for cash out refinancing.

We have helped many clients borrow up to 85% of the appraised value of their homes and use the funds to consolidate debts or to make home improvements and other purposes. Qualified borrowers will have to look hard to find lower rates and better terms than they can get on Florida FHA cash out refinance right now!

Call 1st Continental Mortgage today at 1-800-570-0448 or use our quick application to apply for an FHA refinance on your home in Sumter County or any of the other Florida counties we offer FHA mortgages in.

FHA Home Loans For Mobile Homes with Land

Although some conventional lenders in Florida shy away from making a loan on Mobile Homes or manufactured homes, many FHA mortgage loan lenders do not.

In fact, mobile homeowners fortunate enough to connect with a Florida mortgage lender, who is well schooled in how FHA loans work for mobiles and manufactured homes, can get a better interest rate, better terms, and a lower monthly payment by going FHA in nearly every case.

If you're shopping for financing to buy a mobile or manufactured home on land in Sumter County or any of the other 66 counties in Florida that we serve, call 1-800-570-0448 and let us give you a quote for an FHA mortgage loan to purchase your mobile or manufactured home.

It only takes a few minutes to get an FHA loan mortgage quote on your Florida mobile home. We'll wager that the savings on your monthly mortgage payments will make it some of the highest paid work you've ever done.

Few people realize that the FHA loan uses the same underwriting criteria for single and double wide mobile homes and manufactured housing as it does for traditional site built block or stick homes. In addition, FHA is one of the very few programs that can offer up to 97% financing on mobile homes on land. In addition, did you know that the seller can contribute up 6% toward your closing costs on an FHA mobile home loan and that down payment assistance can be used in Florida? It's true! You could package your mobile home financing to create a real no money down loan with unbelievably low rates.

Call 1-800-570-0448 or use our secure online quick application for a free no obligation quote on financing your manufactured or mobile home using an FHA mortgage loan.

FHA Mobile Home Lending Guidelines

The Department of Housing and Urban Development (HUD) sets forth these guidelines for determining if a mobile or manufactured home qualifies for an FHA mortgage loan in Florida:

•· The mobile or manufactured home must be constructed in accordance with the Federal Manufactured Home Construction and Safety Standards. A red tag is attached to the rear of each section of homes that comply with the standards.

•· The home must be taxed as real estate by the local tax assessor's office.

•· The mobile or manufactured home must have been built after June 15, 1976.

•· The mortgage must have a term of at least 30 years from when amortization begins.

•· The mobile home or manufactured home must be on a permanent foundation.

•· The axles and tongue must be removed from the mobile or manufactured home.

•· The mobile home or manufactured home must have adequate skirting and insulation, and the crawl space must have adequate ventilation.

If you would like to determine if your mobile or manufactured home meets the guidelines for section 184 financing from FHA, call one of our Florida mortgage pros at 1-800-570-0448. We'll be glad to help you determine if the property that you are interested in can be used as collateral for an FHA mobile home mortgage.

FHA 203k Mortgages For Florida Homeowners Making Home Improvements

The FHA 203k loan program is nothing more than a specialized FHA home loan designed to help homeowners make home improvements. It is especially popular in neighborhoods with properties in need of rehabilitation.

The FHA 203k loans work in Florida communities in much the same way as Construction loans for home improvement. Eligible borrowers can use the proceeds from these mortgage to renovate and improve their primary residences.

Qualifying for a 203k FHA mortgage uses the same guidelines as a standard FHA mortgage for the purchase of a Florida home.

Target Borrowers for FHA 203K Mortgages

This specialized FHA mortgage is for Floridians who wish to buy a home that needs repairs or renovations. Just as is the case with a conventional construction loan, a single FHA 203k loan covers both purchase of the Florida real estate and renovation. FHA 203K financing can be used to purchase a property on a site and move it to a new foundation on the mortgaged property and rehabilitate it.

In addition, Florida homeowners can also use a 203k FHA mortgage to refinance existing debt when they finance one or more home improvements using the FHA 203k mortgage program.

Many borrowers are finding out what a good deal a Broward County Florida FHA home loan really is. Call 1-800-570-0448 today or simply use our quick application to find out more!

Serving the broward county cities of:
Search the Broward County and view homes for sale in every city in Broward County including Coconut Creek, Cooper City, Coral Springs, Dania Beach, Davie, Deerfield Beach, Fort Lauderdale, Hallandale Beach, Hillsboro Beach, Hollywood, Lazy Lake, Lauderdale-By-The-Sea, Lauderhill Lauderdale Lakes, Lighthouse Point, Margate Miramar, North Lauderdale, Oakland Park, Parkland, Pembroke Park, Pembroke Pines, Plantation, Pompano Beach, Sea Ranch Lakes, Southwest Ranches, Sunrise, Tamarac, Weston, West Park, Wilton Manors,

Coconut Creek Cooper City Coral Springs Dania Beach Davie Deerfield Beach Fort Lauderdale Hallandale Beach Hillsboro Beach Hollywood Lazy Lake Lauderdale-By-The-Sea Lauderhill Lauderdale Lakes Lighthouse Point Margate

•· Miramar

•· North Lauderdale

•· Oakland Park

•· Parkland

•· Pembroke Park

•· Pembroke Pines

•· Plantation

•· Pompano Beach

•· Sea Ranch Lakes

•· Southwest Ranches

•· Sunrise

•· Tamarac

•· Weston

•· West Park

•· Wilton Manors