How to Get an FHA Certificate for a Florida Double Wide Manufactured Home.

FHA’S Federal Housing Authority is the lending arm of the Florida Housing and Urban Development administration. The Federal Housing Administration is not a direct lender; rather it approves certain Florida Mortgage lenders, insures their secured FHA loans, and maintains the rules and guidelines for FHA manufactured mortgage financing. The FHA does allow for Florida manufactured home mortgages on Florida mobile homes including  doublewides, but those mortgages must be approved with a foundation certificate. A professional engineer must review and approve these certificates.

First you must have the Title to mobile home.

1. Step 1

Apply with us for an FHA Mortgage we service all of Florida. 

1. Step 2

Give your us a copy of the title to the double wide. This title must confirm that the Florida  manufactured was built after June 15, 1976–this is a non-negotiable aspect of the property compliance certificate. Any property built before this date is not eligible for FHA mortgage.

1. Step 3

Schedule foundation engineer . This person will conduct the foundation assessment necessary to grant an FHA certificate of compliance.

1. Step 4

Keep a copy of the title to the Florida mobile home for when the engineer arrives–she may need to double-check the ownership report. Clear all debris, vehicles, lawn decorations, and patio furniture from the base of the mobile home. Florida FHA mortgage lenders want to make sure the mobile home is no longer “mobile.” This means the engineer must find sufficient evidence that the Florida home sits on a viable foundation. He must be able to see the entire foundation.

1. Step 5

Answer any questions the FHA foundation engineer has about the structure, the land and when you purchased Florida manufactured home. Be prepared to show the engineer the interior of the mobile home, too.

1. Step 6

Contact your FHA loan officer a few days after the visit by the engineer. This should be a sufficient period of time for the underwriters and FHA loan officer at the FHA-approved mortgage lender to review the report, and deny or approve the foundation certificate.

 Serving These Fine Florida Communities:

Arcadia :: Boca Raton :: Boynton Beach :: Bradenton :: Brandon :: Cape Coral :: Clearwater :: Clewiston
Crestview :: Daytona Beach :: Deerfield Beach :: Deland :: Delray Beach :: Deltona :: Destin :: Englewood
Fort Pierce :: Ft. Lauderdale :: Ft. Myers :: Ft. Walton Beach :: Gainesville :: Hollywood :: Homosassa Springs
Jacksonville :: Key West :: Kissimmee :: Lake City :: Lakeland :: Lynn Haven :: Marathon :: Marco Island
Melbourne :: Miami :: Miami Beach :: North Fort Myers :: North Miami Beach :: Naples :: Ocala :: Okeechobee
Orlando :: Ormond Beach :: Osprey :: Palatka :: Palm Bay :: Palm Beach :: Palm Coast :: Panama City :: Pensacola
Pompano Beach :: Port St. Lucie :: Punta Gorda :: Santa Rosa :: Sarasota :: Sebastian :: Sebring :: Springhill
St. Augustine :: St. Petersburg :: Tallahassee :: Tampa :: The Villages :: Titusville :: Venice :: Vero Beach
Wauchula :: Wesley Chapel :: West Palm Beach :: Winter Park

Purchasing a Florida home is one of life’s major landmarks for some, it is even a dream come true. We understand the importance of this decision and it is our goal to make your transition into your new home  unforgettable. Regardless of whether this is your first Florida home or your fourth Florida home purchase we will do our best to ensure that getting you into your new Florida home is a pleasant and memorable experience..

Why Florida Homebuyers Ask For An FHA Loan?

There are lots of reasons  why Florida loan applicants should choose an FHA loan instead of taking a risky  conventional or an expensive or expensive sub-prime mortgage loan. Florida homebuyers are learning to take advantage of the many benefits and protections that only come with FHA:

Much easier to Qualify – Because FHA insures your FHA mortgage, Florida mortgage lenders are more willing to give FHA  loans with lower qualifying requirements making it easier for you to qualify.

Lower Down payment Requirements – FHA loans require  a low 3.5% down payment, and the down payment money can come from a family member, employer or charitable organization. Other mortgage programs don’t allow this.

Bad Credit Past is OK- If you have had credit problems in the past such as a bankruptcy or foreclosure you will find , its easier for you to qualify for an FHA loan than any other mortgage program.

Costs Less – Many Florida homebuyers will find that FHA loans have better interest rates because FHA home loans are insured by the Federal Government.

Help You Stay in Your Home – FHA began in 1934 and will continue to be around to protect you when the others walk away. Should you encounter a temporary hardship after buying your Florida home, FHA has many options to help keep you in your home and avoid foreclosure.

Serving FHA mortgage loans in every city in Florida including: Alachua | Altamonte Springs | Anna Maria | Apalachicola | Apopka | Atlantic Beach | Auburndale | Aventura | Avon Park | Bal Harbour | Bartow | Bay Harbor Islands | Boca Raton | Bonita Springs | Boynton Beach | Bradenton | Brooksville | Cape Canaveral | Cape Coral | Casselberry | Celebration | Chipley | Cinco Bayou | Clearwater | Clewiston | Cocoa | Cocoa Beach | Coconut Creek | Coral Gables | Coral Springs | Crystal River | Dania Beach | Davie | Daytona Beach | Deerfield Beach | DeFuniak Springs | DeLand | Delray Beach | Deltona | Destin | Dunedin | Eagle Lake | Edgewater | Edgewood | Eustis | Fort Lauderdale | Fort Meade | Fort Myers | Fort Myers Beach | Fort Pierce | Fort Walton Beach | Fruitland Park | Gainesville | Greenacres | Green Cove Springs | Gulf Breeze | Gulfport | Haines City  | Hallandale Beach | Hawthorne | Hialeah | Hialeah Gardens | Highland Beach | Hollywood | Holly Hill | Holmes Beach | Homestead | Hypoluxo | Indialantic | Jacksonville | Juno Beach | Jupiter | Key Biscayne | Key West | Kissimmee | LaBelle | Lady Lake | Lake Alfred | Lakeland | Lake Mary | Lake Park | Lake Wales | Lake Worth | Lantana | Largo | Lauderdale By The Sea | Lauderhill | Leesburg | Lighthouse Point | Longboat Key | Longwood | Maitland | Marco Island | Margate | Melbourne | Melbourne Beach | Miami | Miami Beach | Milton | Minneola | Miramar | Mount Dora | Naples | Neptune Beach | New Port Richey | New Smyrna Beach | Niceville | North Miami | North Miami Beach | North Port | Oakland Park | Ocala | Ocean Ridge | Ocoee | Okeechobee | Oldsmar | Orange Park | Orlando | Ormond Beach | Oviedo | Palatka | Palm Bay | Palm Beach | Palm Beach Gardens | Palm Coast | Palm Harbor | Palmetto | Panama City | Panama City Beach | Pembroke Pines | Pensacola | Pinecrest | Pinellas Park | Plant City | Plant City | Plantation | Pompano Beach | Ponce Inlet | Port Orange | Port St. Lucie | Punta Gorda | Palm Harbor | Rockledge | Royal Palm Beach | St. Augustine | St. Augustine Beach | St. Cloud | St. Pete Beach| St. Petersburg | Safety Harbor | Sanford | Sanibel | Sarasota | Satellite Beach | Seaside | Sebastian | Sewall’s Point | Shalimar | Stuart | Surfside | Tallahassee | Tamarac | Tampa | Tarpon Springs | Tavares | Temple Terrace | Titusville | Treasure Island | Valparaiso | Venice | Vero Beach | Wellington | West Melbourne | West Palm Beach | Weston | Wilton Manors | Winter Garden | Winter Haven | Winter Park | Winter Springs |

Florida Refinance with FHA mortgage, Florida FHA mortgage Refinance,

Some advantages of using a FHA mortgage for your Florida  mortgage refinance are as follows:

Cash-Out Refinance up to 95% for existing or new FHA mortgages.

• Cash-Out up to 95% of your properties value.
• Consolidate first and second mortgages into single loan.
• Bill consolidation programs.
• Easier credit and income qualifications.
• FHA regulated closing costs.

Rate and Term Mortgage Refinancing up to 97% of your homes value.

• Consolidate first and second mortgages into a single loan.
• No FICO score or credit score requirements
• Competitive rates for borrowers with a Bankruptcy older than two years.
• Competitive rates for borrowers with a Foreclosure older than three years.
• Easier credit and income qualifications.
• FHA regulated closing costs.

FHA Streamline Refinance for existing FHA loans only.

• No Cost Interest Rate Reductions programs.
• No Income or Credit Qualifications.
• Zero cost refinance options available.
• Easily switch amortization for adjustable to fixed or vice versa.
• Easily shorten or lengthen term of your existing loan.
• Easier credit and income qualifications.

FHA Secure Refinance with current mortgage lates.

• Refinance your mortgage at competitive rates even if you have a mortgage late on your credit that is directly due to adjusting mortgage.
• Qualify for refinance even if currently in foreclosure.
• Complete details of FHA Secure loan.

Apply NOW at www.FHAMortgagePrograms.com

Florida Mortgage Refinance

As a Florida homeowner, eventually, you’ll consider refinancing your Florida mortgage. Before you decide to refinance, you should confer with an experienced Florida  Mortgage Lender. Our licensed mortgage pros work hard to stay current on the best refinance mortgage programs. Our training objectives are to help each of our clients achieve the best combination of interest rate, mortgage terms, and low home loan closing fees for a Florida refinance. Call today at 1-800-570-0448 or use our quick application to learn more!

For over a decade, 1st Continental Mortgage has been the Florida mortgage lender of choice in Florida because we deliver excellent Florida mortgage rates and superb white glove mortgage service to Florida homeowners. 1st Continental Mortgage loan officers are well equipped to make refinancing your Florida Mortgage a smooth and pleasant transaction from application to closing.

After conferring with one of our loan officers, you may find that refinancing your existing mortgage loan isn’t the most suitable way to meet your financial goals. In finance, there are often many ways to achieve a goal, and a conversation with a Florida mortgage expert can save you time in locating the homeowner loan that is going to work the best for your unique set of circumstances.

Why not call one of our friendly experienced loan officers today for a free review your financial situation and objectives. We’re confident that when you complete your phone interview, you’ll be certain you are applying for the best Florida refinance homeowner loan. A loan that will serve your long-term interests and not just the interest of the Florida mortgage originator you’re working with. Call 1-800-570-0448 today or use our quick application for a free, no-obligation consultation.

For most of our clients, getting a Florida refinance on their Florida Mortgage is the most important single financial transaction they will ever undertake. It’s actually more important than when you first decided to purchase your Florida home! It’s not something that most people do every day. In fact, some homeowners may only refinance two or three times in a lifetime.

Nevertheless, differences among Florida mortgage programs for refinancing that appear small can make a huge difference over the life of a typical Florida mortgage. The hard truth is, refinancing your home into the wrong loan can cost you tens of thousands of dollars or even put you at risk of losing your Florida home to foreclosure.

At 1st Continental Mortgage, we’ll listen carefully to your objectives for the refinance loan, ask the right questions, and use our experience to match you with the best program and lender from among the hundreds of Florida debt consolidation refinance programs we offer.

At 1st Continental Mortgage, we’re experts at identifying the small differences in competing refinance mortgage loan programs that can save our clients big dollars. We’ll be glad to share what we know to help you create the best refinance scenario for your situation. Call 1-800-570-0448 or use our secure online quick application to see how simple it is to refinance a mortgage in Collier County or any of the other Florida counties we serve.

Whether you are motivated to refinance your Florida home by a desire to lower your interest rate, lower your monthly payment, change your terms, or remove a former spouse from a mortgage, we will be happy to help. Over the last decade, we have heard our share of excellent reasons for making changes to an existing Florida mortgage.  We have excellent Florida refi solutions for all kinds of homeowners from interest only refinances for a newly single professional; to refinancing a Mobile Home on land with a low fixed rate FHA mortgage in Wesley Chapel, Florida; to helping a young family avoid the shock of dramatically higher mortgage payments from an ARM.

Florida Debt Consolidation Refinance

Cash Out Refi in Florida

For some Florida clients, the need to refinance is driven by debt consolidation. It’s not uncommon today for borrowers to feel that their credit card debt or other installment debt has taken on a life of its own. We know how to help you get the most for your hard-earned home equity when it comes to doing a cash out refinance for debt consolidation. Refinancing for debt consolidation can help free up hundreds of dollars a month and in some cases, the mortgage interest may be tax deductible. If you have home equity and need a fresh start, call 1-800-570-0448 or use our quick application. We think you’ll be glad you did!

We don’t recommend refinancing a first mortgage to every client as a vehicle to consolidate debt or get cash out. Sometimes a prepayment penalty on the first mortgage makes a Second Mortgage or home equity line of credit a better way to access home equity. In other cases, the first mortgage may have a desirable characteristic, such as a below market interest rate, that makes refinancing simply not worthwhile. We’ll be happy to help you generate a range of refinance program options and to choose the best from among them.

Why not call us today at 1-800-570-0448 or fill out our quick application to get a fast quote on refinancing your Florida mortgage!

Here are just a few of the reasons our past clients have expressed for refinancing their Florida homes:

• Lower the interest rate on your present fixed rate mortgage;
• Convert a high risk Florida ARM to a stable 30 year fixed rate mortgage;
• Refinance out of a fully indexed Adjustable Rate Mortgage into a FHA fixed rate loan;
• Consolidate all your high interest credit card debts into a single monthly mortgage payment
• Refinance to pull cash out for hospital bills, college tuition, or to finance a wedding, honeymoon or exotic vacation;
• Escape a Florida bad credit mortgage program into a more permanent mortgage;
• Improve your cash flow with a refinance to an Interest Only mortgage.

With more than 100 lender programs to draw upon, 1st Continental Mortgage loan officers have been delivering the right homeowner refinancing loans for over a decade to thousands of Floridians. Here is a partial list of the mortgage programs that we can help you with:

• Fixed rate mortgage refinance with 10 year, 15 year, 20 year, 30 year and 40 year fixed rate terms;
• Interest only mortgage refi options;
• Debt consolidation refinance programs;
• Florida Jumbo mortgage and Super Jumbo mortgage refinancing programs;
• Bad Credit mortgage programs;
• Second mortgage, home equity loans, and home equity lines of credit options;
• Specialty mortgage products such as no income verification, no ratio, SISA and no doc mortgage programs.

The mortgage professionals of 1st Continental Mortgage are waiting to hear from you right now about your next Florida homeowner refinance opportunity. Just give them a ring at 1-800-570-0448 or apply securely online using our quick application. With so many excellent refinancing options for Florida homeowners, we’re certain to have a Florida refinancing mortgage program designed for you!

FHA Loans – Reasons Florida Home Buyers Love FHA Loans

FHA Loans Carry Many Benefits for Florida Home Buyers or Refinancing

FHA loans are fell off the map a few years, but since 2005 have become the market share! It’s an institution that has been around for a long time, since June 27, 1934. The Department of Housing & Urban Development folded the Federal Housing Administration (FHA) under its umbrella in 1965.

FHA mortgage loans began to lose appeal in the late 1990s, when Florida home values began to inch upwards, surpassing Florida FHA mortgage limits, and Florida home sellers balked at FHA’s stringent appraisal guidelines.

Why FHA Mortgages Work for Florida Homebuyers
Now, FHA does not make loans or guarantee loans made by private Florida FHA approved lenders. FHA insures these home  loans. The FHA mortgage insurance removes or minimizes the default risk lenders face when buyers put down less than 20 percent. Without further approval from FHA, its FHA approved mortgage lenders are authorized to:

• Take FHA loan applications
• Process loan applications
• Underwrite, Approve and close the FHA loan

FHA Loans Allow a Troubled Credit History
If your credit is less than perfect, an FHA home loan might be the loan for you. You may qualify for an FHA mortgage even though you have had past financial problems.

• FHA loans have No minimum credit score requirements. Its the private FHA mortgage lender that sets the minimum credit score.
• Bankruptcy. You can obtain an FHA loan two to three years from the date of a Florida bankruptcy discharge, as long as you’ve maintained good credit since your debts were discharged.
• Foreclosure. If you keep your credit in excellent shape since a foreclosure, an FHA loan will be available to you two to three years from the final date of your foreclosure.

FHA Loans Now Demand Fewer Repairs
At one point, FHA repair demands were so excessive that Florida home sellers would discount the list price to buyers who would agree to obtain conventional loans over FHA loans. Today the FHA requirements are minimal.

• FHA requires Defective roofs that leak still need to be replaced or patched but an older roof does not necessitate replacement if it doesn’t leak.
• Homes with Windows that stick upon opening or have cracked panes do not require replacement.
• FHA appraisals do not take the place of a home inspection, never have. FHA recommends that Florida homebuyers still obtain a professional home inspection.

FHA loans are available to anybody but are used most often by Florida first-time home buyers and low- to moderate-income buyers. However, there are no income limit qualifications

Serving Home Buyer Financing Fine Florida Communities: FHA Loans

Arcadia :: Boca Raton :: Boynton Beach :: Bradenton :: Brandon :: Cape Coral :: Clearwater :: Clewiston
Crestview :: Daytona Beach :: Deerfield Beach :: Deland :: Delray Beach :: Deltona :: Destin :: Englewood
Fort Pierce :: Ft. Lauderdale :: Ft. Myers :: Ft. Walton Beach :: Gainesville :: Hollywood :: Homosassa Springs
Jacksonville :: Key West :: Kissimmee :: Lake City :: Lakeland :: Lynn Haven :: Marathon :: Marco Island
Melbourne :: Miami :: Miami Beach :: North Fort Myers :: North Miami Beach :: Naples :: Ocala :: Okeechobee
Orlando :: Ormond Beach :: Osprey :: Palatka :: Palm Bay :: Palm Beach :: Palm Coast :: Panama City :: Pensacola
Pompano Beach :: Port St. Lucie :: Punta Gorda :: Santa Rosa :: Sarasota :: Sebastian :: Sebring :: Springhill
St. Augustine :: St. Petersburg :: Tallahassee :: Tampa :: The Villages :: Titusville :: Venice :: Vero Beach
Wauchula :: Wesley Chapel :: West Palm Beach :: Winter Park