As Florida-mortgage-lenders.com, we operate with a simple philosophy: identify the best Florida mortgage for each  Florida loan applicant’s unique circumstance and deliver the best service throughout the Florida mortgage process. This straightforward approach has attracted loyal Florida mortgage applicants who return time and again to obtain their Florida mortgage financing. This same formula has helped us grow to become one of Florida’s mortgage lenders. Whatever your needs chances are we have the right Florida mortgage for you. 


Below you will find outline some of the differences regarding some of the more popular Florida mortgage programs.





Down payment required 






Credit requirements


Minimum credit score

580  = 3.5% down payment.

530 for 10% down payment.

No Credit Score Ok!



Minimum Credit Score

(Usually 620)

No Credit Score OK!


Minimum Credit Score

(Usually 620)


Post-Bankruptcy Qualifying

Can Qualify after

2 years after chapter 7

1 year after a chapter 13.

Can Qualify after

2 years.

Can Qualify after

4 years.

Post- Foreclosure qualifying

Can qualify after 3 years

Can qualify after 3 years

Can qualify after 7 years.


Post Short sale Qualifying

Can qualify after 3 years if late on payments if current at the time of short sale qualify now.

Can qualify after 3 years if late on payments if current at the time of short sale qualify  now.

Can qualify after 2 years. Loan to Value restrictions may apply.


Down payment and Closing 

100% of your down payment can come from family gift and the seller can credit you up to 6% to cover closing cost.

100% financing the seller can credit you up to 4% to cover your closing cost and prepaid.

100% downpayment can come from gifts. 








FHA Mortgage Lenders By State: 
Florida   Texas  Georgia  Alabama  

FHA-MORTGAGE-LENDERS.COM – Specializing in FHA government mortgage solutions and delivering the most updated FHA information to the consumer. FHA-Mortgage-Lenders.com has an extensive lender network that allows us to provide flexible update FHA mortgage lenders information from portfolio FHA mortgage lenders providing a comprehensive selection of non-traditional FHA, VA, USDA, Conventional, for all including bad credit mortgage applicants.

FHA-Mortgage-Lenders.com is not a direct FHA Mortgage Lender. Information on this site Is for example purposes and should not be relied on for decision making.

About Us

We are US Mortgage Lenders. Major real estate brokerages regularly entrust their clients to our team due to our reputation for transparency, delivering on time, customer satisfaction and loyalty. With five-star customer reviews on Zillow.com and counting, you're assured of having the backing of an experienced team.
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