Getting A Mortgage After Bankruptcy

Just because someone has a bankruptcy doesn’t mean he or she will never again qualify for a mortgage. Consider the adage, “There is life after a bankruptcy.”

While several types of bankruptcies exist, two of the more common ones are Chapter 7 and Chapter 13. Not only does each have its own ramifications for being eligible for a mortgage, but so does the type of loan being sought. Continue reading Getting A Mortgage After Bankruptcy

6 Fears People Have Of Getting A Mortgage

Since it’s Friday the 13th and Halloween is just around the corner, we thought we’d share 6 common reasons why some people are afraid of starting the mortgage process. The good news is that you don’t need to fret. If one of the following reasons is holding you back, then you should probably call us. Continue reading 6 Fears People Have Of Getting A Mortgage

Extremely Satisfied With Their Mortgage

“We would like to thank Stephanie and the team who definitely exceeded our expectations. They were easy to communicate with, timely, professional, and knowledgeable, and they completely answered all our questions. We secured our loan in an easy manner with easy terms of repayment. Kudos to the Florida Mortgage Firm.”

— Cedric and Mary Fraser, Sept. 23, 2017
Extremely satisfied clients

No Down Payment for this FHA Loan

fha-203h-hurricane

You’ve heard about the standard FHA loan, or the 203(k). But what about the FHA 203(h)?

After Hurricane Irma ravaged Florida, this program will be enticing to many people who live in an area with a Major Disaster Declaration.

The 203(h) helps both renters and homeowners recover by making it easier to purchase a new home if their existing home (that they own or rent as a tenant) is affected by the disaster. This program requires NO DOWN PAYMENT and may be used to finance the purchase of a single-family home that will be a primary residence.

The counties listed below were declared by FEMA (https://www.fema.gov/disaster/4337):

Alachua, Baker, Bradford, Brevard, Broward, Charlotte, Citrus, Clay, Collier, Columbia, DeSoto, Dixie, Duval, Flagler, Gilchrist, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Indian River, Lafayette, Lake, Lee, Levy, Manatee, Marion, Martin, Miami-Dade, Monroe, Nassau, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, Suwannee, Union, Volusia

Appraisal Report Process Within A Natural Disaster Area

Appraisal after hurricane natural disaster florida

After a natural disaster occurs, such as a hurricane storming through the area, there are generally two kinds of properties regarding real-estate transactions needing appraisals: Properties that have already been inspected by an appraiser, and properties that have not been inspected.

Here’s some bullet points about these. Continue reading Appraisal Report Process Within A Natural Disaster Area

Appraisal Report Process After A Natural Disaster

Appraisal after hurricane natural disaster florida

After a natural disaster occurs, such as a hurricane storming through the area, there are generally two kinds of properties regarding real-estate transactions needing appraisals: Properties that have already been inspected by an appraiser, and properties that have not been inspected.

Here’s some bullet points about these. Continue reading Appraisal Report Process After A Natural Disaster

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