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FHA Loan Programs
Florida fha loans, Miami fha, Broward fha loan, Florida fha home loans, Miami fha mortgage, Florida fha mortgage ratesFHA's Mortgage Loans - Programs that help low and moderate income families become homeowners by lowering some of the costs of their mortgage loans. While this insurance is not free, you can finance the up front insurance premium at the time of purchase and add to your regular mortgage payments.


FHA Refunds - If you have ever paid off a home loan backed by FHA, you may have money owed to you.

Down Payment Gifts - FHA allows 100% of the down payment to be a gift from friends, family or other sources.

Closing Costs - Can also be financed to reduce the up front cost of buying a home.

FHA Maximum Loan Amounts - These vary from one county to another. It is critical that your loan amount, including financed closing costs, not exceed the maximum set by FHA for the county in which your property is located. There are no income limits on FHA loans.

FHA has several loan programs that include:

Section 203(b) - A single family program that has down payment requirements as low as 3%, allowing you to finance up to 97% of the value of the home.

Streamline Refinance - A program that reduces the amount of documentation and underwriting that needs to be performed by the mortgage company.

Section 203(k) - A single family home rehabilitation program that enables you to finance both the purchase or refinance of a house and/or the cost of its rehabilitation through a single mortgage.

Section 203(i) – A single family mortgage program that provides mortgage insurance for a person to purchase a principal residence in a rural area.

FHA ARM - A single family adjustable rate mortgage that provide mortgage insurance for a person to purchase or refinance a principal residence at a lower initial interest rate.

Property Improvement Loan Insurance (Title I) – A program that makes it easier for consumers to obtain affordable home improvement loans by insuring loans made by private lenders to improve properties that meet certain requirements.

Energy Efficient Mortgage – A program that provides mortgage insurance for the purchase or refinance of a principal residence that incorporates the cost of energy efficient improvements into the loan.

Reverse Mortgage – A program for homeowners 62 and older who have paid off their mortgages or have only small mortgage balances remaining. The program allows homeowners to borrow against the equity in their homes in a lump sum, on a monthly basis for a fixed term or for as long as they live in the home, or on an occasional basis as a line of credit.
 

 

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Home Mortgage Finance Group Corp. Florida Mortgage Lender servicing Broward County, Fort Myers-Cape Coral County, Fort Lauderdale, Miami, Miami Beach, Naples, Palm Beach, West Palm Beach. Home Mortgage Finance Group is a licensed mortgage lender, offering the best programs, residential loans, commercial loans, home loans, home refinancing, construction loan and home equity lines throughout Florida. Home Mortgage Finance Group specializes in South Florida Home Loan and South Florida Mortgages. One of the advantages of working with our Florida Mortgage Lender is that we have over 300 lenders available to help the needs of our clients. Our state-of-the-art refinance-mortgage computer software assures our clients absolute privacy and timely service.

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