Florida Bad Credit Mortgage, 97% W 530 FICO, Florida Bad Credit home loan

Florida Bad Credit Mortgage, 97% W 530 FICO, Florida Bad Credit home loan

The Federal Housing Administration (FHA) runs several FHA Bad Credit mortgage programs to promote home ownership in Florida. In most cases, Bad Credit FHA home loans are mortgages obtained with the help of the FHA. With a small down payment today only 3.5%, Florida Bad Credit homebuyers   buyers can purchase a home. FHA loans make it easier for Florida  Bad Credit homebuyers  to qualify for a Florida Bad Credit mortgage,

 Minimal Down Payment and Closing Costs.

Down payment less than 3.5% 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 today at www.FHAmortgagePrograms.com


Bad Credit home loans In Florida

Getting a Florida bad creidt Mortgage with isn’t as easy as it was a year or two ago. However, it isn’t as impossible as some news reports make it seem. Even Bad Credit  Floridians with bad credit reports which reveal past financial sins still sometimes get to the promised land of mortgage approval. Most Florida Bad Credit mortgage applicants and Refinance clients do so with the help of a skilled and experienced Florida mortgage lender who specializes in Florida FHA bad credit home mortgages to Refinance or Purchase a Florida home

For the Florida Bad Credit home buyer the FHA program can simplify the purchase of a home, making financing easier and less expensive than a conventional mortgage loan product. Most Florida mortgage applicants didn’t know this but FHA has No minimum credit score requirements. Its the Florida FHA approved mortgage lenders that set minimum credit score requirements. At FHAmortgageprograms.com we can go down to a 530 FICO score when most Florida  banks and other Mortgage lenders  require a  minimum 620 FICO. Some highlights of the Florida Bad Credit FHA mortgage program include:

Minimal Down Payment and Closing costs.

Down payment less than 3.5% of Sales Price Gifts are allowed Seller can credit up to 6% of sales price towards closing and prepaid costs. 100% Financing available No reserves required. FHA regulated closing costs. Purchases (Min 530 score)

 Easier Credit Qualifying Guidelines such as:

No minimum FICO score or credit score requirements.   FHA will allow a home purchase 2 year after a Bankruptcy. FHA will allow a home purchase 3 years after a Foreclosure

Additional Conditions include:

12 month cancelled checks or Management VOR Must have 3 good recent trade lines Can you ALT CREDIT such as Cable, Cell phone, Electric, Cable, Car Insurance, ect. Payment shock limited to 1.5 times 33/45 DTI max No late’s or collection in last 12 months NO late’s after BK

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

Easy Qualification – The FHA loan has No minimum Credit score requirement and  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 Down payment 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 Down payment assistance programs that work well with Florida FHA home loans.

Less than A-1 Credit is Okay – The 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.

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.

FHA Loans for Bad Credit Florida Mortgage Applicants

If you have what is known in general as bad credit, and you are trying to obtain a home loan in Florida, then we encourage you to work with an experienced Florida Mortgage Lender with a track record of funding even the most difficult bad credit Florida mortgage loans.

As a bad credit FHA mortgage specialist we have been helping borrowers with bad credit find the right lenders, gather their loan documents, and present complete Bad credit loan packages to Florida bad credit lenders for over a decade. Our technique really comes down to understanding what a Florida Bad credit underwriter is looking for and putting together a complete and thorough Bad Credit loan package.

For some Florida mortgage applicants , it’s the only way to get a Bad credit lender to say yes to a home loan. This is especially the case for a borrower with Florida  bad credit mortgage issues.

At FHAmortgagePrograms.com, we know that a temporary set back like a job loss or car accident can leave you with damaged credit even though you have worked hard to meet all of your financial obligations for most of a lifetime. This episode can affect credit ratings quickly and adversely affect the loan process when applying for your Florida Bad Credit mortgage.

We feel the Florida mortgage applicant with less than perfect credit is the one who benefits the most from working with an experienced Florida mortgage lender. A good Florida mortgage lender knows which lenders have the best programs for borrowers with poor credit and knows how to present an application truthfully and ethically in the strongest light possible. No, we won’t exaggerate or misrepresent the facts on your behalf; however, we will work to properly represent you and explain why the situation you are in exists.

Your credit report is the key factor for many of the Florida Bad Credit mortgages we offer, but it is not the only factor. With an experienced Bad Credit Florida Mortgage professional from FHA mortgage programs working on your behalf, you may be pleasantly surprised at the Florida bad credit home loan quote you get from our network of quality Florida mortgage lenders.

We can help you take an objective look at your Florida home loan options regardless of your past credit history. Our experienced mortgage pros are very skilled at examining your credit report. And our Florida bad credit home loan specialists are happy to offer you free advice on how to clean up your credit report in preparation for your home loan process.

For some FLoirda bad credit mortgage applicants, the hardest lifting takes place weeks before the mortgage application. It’s never too soon to pay down collections or settle some old judgments to incease your score and purchase a FLorida home. If you have a weak credit report but want to get a Florida mortgage or refinance your existing one, now is the time to get started. As you can see FHA mortgage loans offer Florida mortgage applicants that have had difficulty in the past the ability to qualify for a Florida mortgage.

 It’s actually better for borrowers with bad credit right now than it was before 1990. Before 1990, if a borrower did not qualify for a conventional or government loan, he or she was out of home loan options. The emergence of lenders willing to serve those with poor credit has been a godsend for the borrower who recognizes that a Florida bad credit home loan is a temporary loan.

Used properly with good financial planning, a subprime home loan serves the bad credit borrower for 2-4 years while he or she demonstrates the discipline to pay financial obligations on time. Once the healthier financial pattern yields a higher middle credit score, the borrower can apply for a government insured FHA home mortgage or a fixed rate conventional mortgage.

Even for mortgage borrowers with bad credit, 1st Continental Mortgage has found ways to secure financing for a decade.

30 year fixed rate mortgages for persons with damaged credit to purchase homes; Fixed rate mortgages with one, three, or five year Interest Only periods; Limited opportunities on loans for purchasing or refinancing single and doublewide Mobile Homes on land for buyers with low FICO scores in Polk County and the other Florida counties we serve; A range of Jumbo and Super Jumbo home loans for those borrowers seeking to purchase executive homes

First Time Home Buyer Programs










































































Acorn has been helping illegal aliens receive home loans for years. Finally the media is catching on that the government is complicit in helping the loans to go through.
First Time Home Buyer Programs
Video Rating: 4 / 5

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25 thoughts on “Florida Bad Credit Mortgage, 97% W 530 FICO, Florida Bad Credit home loan”


  2. cops in lexington ky will beat your ass for walken down the street yet every year thousands of illegal aliens that cops there harbor protest and shut the downtown streets down. fucken pathetic!

  3. isnt this the same wonderful gov paid pimp group that vote for change obama ran? gee who saw this coming?

  4. The thing is you have to know who owns and runs ACORN then you’ll understand why they can do what they do and get away with it.

  5. When is A.C.O.R.N. going to get shut down? Something is wrong when they are allowed to sue congress and win. SHUT A.C.O.R.N. down!!!!

  6. They are too cowardly and pathetic to march in their own streets and demand the government help them, but the first thing they do when they cross our border is start making demands.

    Illegals have already shown us they are too cowardly to fight, so if they try to take over, all we have to do is announce that United States citizens are going to forcibly remove a foreign invasion from our country and the illegals will hightail it right back to mexico. Don’t forget your anchor babies!

  7. Illegals only see their children as welfare checks and something to trot in front of the camera if the illegal is facing deportation.

    How often do these “caring” parents take their anchor babies with them when the illegal is deported? The child can’t be exploited anymore, so they are left here.

    I would take the government and others translating from English to spanish as telling me that they know I’m too stupid to learn the language so why bother? I guess illegals have no pride.

  8. This is a perfect example of why the US is so screwed up. We’ve allowed the far left nuts to take over. People, stand up before it’s too late. The 2010 elections are soon upon us and it will be a massacre for the Democrats and I can’t wait, but they can do a lot of damage before that election. Good, hardworking Americans are hurting and can’t get help, but the Obama admn. bends over backwards to “help” ILLEGALS?!? It’s all about votes, not altruism. They want the poor who want handouts vote.

  9. It’s been done before, 20 million of them deported.
    First things first.
    Get rid of the Traitor’s infesting Congress and the Half-White-house.

  10. Please,see my page under comments section for another newly published expose.

    We finally have proof who has infiltrated us.

    Documents do not lie.

    Please, see my page under comments section for details and plan.


  11. Support massive deportation of illegal aliens. Illegal aliens get the fuck out of this nation ! Go back to where you came from you rat bastards.

  12. I wonder if you would feel the same about “undocumented workers” if illegal aliens were taking over Mexico and changing the cultural and the language of the country. Of course the Mexican government is smart because they allow very few people to migrate there. Mexico believes they have a RIGHT to decide who and how many peole are allowed in. Funny that they DEMAND the right for an unlimited number of Mexicans to migrate to the USA, but their borders are only “one way” for the rest of the world!

  13. you’re right…let’s call them all “Constitutionally Challenged Individuals” and give them handicap placards so they won;t have so far to walk when they take their welfare checks to Walmart…if you’re going to try and start and argument, it’s recommended to have some sort of point…don’t drop the word “nigger” and expect it to make your point look more intense than it really is…

  14. Only 3 percent of the illegals are fruit-pickers or other migratory workers. The remaining 97 percent steal other type jobs. Including skilled blue-collar jobs paying more than most college-grad teachers get [plumbers, electricians, etc.].

    For example, I know an illegal making over $2,000 per week at an auto upholstery shop. Why couldn’t that shop have instead hired a young black man / woman as an apprentice at Minimum wage, then paid him / her that $2,000 plus a week after learning the trade?

  15. Not surprising, since ACORN voter fraud helped to get an ILLEGAL ALIEN [with a fake birth certificate who refused to release his college records showing him as a foreign national] ELECTED PRESIDENT.

    But what’s sad is how many ACORN members have helped hurt the Black Community, by helping the illegals … and they hurt the Black Community worse than anyone.

  16. 1.6 percent of the state and federal prison populations was under Immigration and Customs Enforcement jurisdiction, and thus known to be illegal immigrants. [Department of Justice, 2003] 10.7 percent of prisoners in federal jails were incarcerated for immigration offenses in 2009. [Bureau of Prisons]

    How can we have a meaningful discussion on illegal immigration when you rely on widely discredited email to misrepresent the facts so badly?

  17. Buy homes. Integrate into society. Be a good neighbor. Learn our customs.

    Sounds good to me!

  18. See, your political understanding is sooo limited. The democrats and republicans are the same! They have the exact same platform. btw, obama is no socialist, he’s just as corrupt and capitalist as any other republicrat. politics is just the art of making people think they have a choice. Btw, i know more about politics than you ever will, so dont call me dumb, besides, nothings dumber than a racist. do you even know why we have immigration?

  19. Acorn is just an arm of the Democrat Party. They are accused of voter fraud, subprime mortgage involvement where loans were forced to be given to people who could not pay or who lacked documentation (illegal aliens). They are shown in the recent videos giving advice to people on how to lie to the IRS, hide funds, & commit fraud. ACORN is spiraling out of control. Bank of America supposedly stepped away from ACORN today. BofA is another big illegal alien benefactor, offering credit to them.

  20. Haha, who watches fox news anyways? That shit is ridiculously racist. Oh, and btw, the best way to let everyone know you’re a racist and your political views aren’t worthy of any serious examination is to use the term “illegal alien”
    I mean, its basically the same as using the word “nigger.”

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