Haines City, Florida Homebuyers
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Homebuyer Options in Haines City, Florida
The FHA home loan in Haines City, Florida allows for borrower’s to qualify with smaller down payments. Fico scores 580 and higher can qualify for a payment of 3.5% down. Fico scores between 500 – 579 can still qualify with 10% down. Pre-qualify for Haines City, FL FHA mortgage financing (888)429-6601.
Grants for Haines City, Florida Homebuyers are available to assist with down payments and or closing costs. Grants at Smart Mortgage Centers are completely forgivable and you are not required to be a first time homebuyer. The Haines City, FL grant program is only available to borrower’s applying for mortgage financing with Smart Mortgage Centers.
580 Credit Score Required
Grant is completely forgiven – no repayment required!
Grant can be used for down payment and/or closing costs
Seller Credit of 6% is allowed
Gift funds are allowed!
Borrower(s) not required to be First Time Homebuyers.
Income limit is based on qualifying income used for transaction, not household income.
Our licensed Haines City Mortgage Brokers are standing by to assist homebuyers with grant questions and pre-qualification. Apply for a Florida Grant Now at (888)429-6601.
Haines City, Florida Home Possible® mortgages offer low down payments for low- to moderate-income homebuyers or buyers in high-cost or under served communities. Home Possible® offers two programs for Florida homebuyers. Our Mortgage Brokers are standing by to explain Home Possible® and can answer any question you may have.
Pre-Qualify now for Home Possible® at (888)429-6601. Read more about the 3% Down option or the 5% down option.
Home Possible Advantage® 3% down program in Haines City, FL.
LTV: Maximum LTV of 97 percent; TLTV 105 percent.
Property Options: 1-unit properties, condos and planned unit developments; manufactured homes are not eligible.
Flexible Sources of Down Payments:Down Payment can come from a variety of sources, including family, employer-assistance programs and secondary financing.
Cancellable Mortgage Insurance: Mortgage insurance (MI) can be cancelled after loan balance drops below 80 percent of the home’s appraised value.
Stable Mortgages: Fixed-rate mortgages with a term of up to 30 years.
Refinance Flexibility: Purchase and no cash-out refinancing options available.
Income Flexibility: No income limits in underserved areas. Use the Home Possible Income & Property Eligibility Tool to see income limits for specific properties.
Primary Residence Only: All borrowers must occupy the property as their primary residence.
Home Possible® 5% down program in Haines City, FL
LTV: Maximum LTV and TLTV of 95 percent.
Property Options: 1-4 units, condos and planned-unit developments; manufactured homes are eligible with certain restrictions.
Mortgage Flexibility: 15- to 30-year fixed-rate mortgages, 5/1, 5/5, 7/1 and 10/1 ARMs.
Refinance Options: No cash-out refinancing option is available for borrowers who occupy the property.
No Credit Score Necessary:Borrowers without credit scores are eligible for mortgages with down payments as low as five percent.
HomeReady® for Haines City, Florida Homebuyers
Our low down payment mortgage designed to help lenders confidently serve today’s market of creditworthy low- to moderate-income borrowers. HomeReady qualified Mortgage Brokers are standing by to answer questions and pre-qualify homebuyers now. Pre-Qualify for HomeReady® call (888)429-6601.
Ideal Haines City HomeReady Borrowers
Have low to moderate income
Are first-time or repeat homebuyers
Have limited cash for down payment
Have a credit score ≥ 620; borrowers with credit scores ≥ 680 may get even better pricing
Have supplemental boarder or rental income
Are looking to purchase or refinance
Cancellable Mortgage Insurance*
Unlike government-insured loans, with HomeReady, borrowers may have the option to cancel their mortgage insurance once their home equity reaches 20%. This can result in lower monthly payments down the road.
With HomeReady, cash for down-payment and closing costs can come from multiple sources, including gifts, grants, and Community Seconds ® – with no minimum personal funds required.
A USDA home loan in Florida is a zero down payment mortgage for eligible rural and suburban homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture.
Haines City USDA Mortgage Brokers are available to answer questions and supply homebuyers with pre-approvals to shop for eligible Haines City homes. Our Mortgage Brokers are happy to look up eligible Florida USDA properties or homebuyers can check to see if a property is eligible here. https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do
Pre-Qualify for a USDA Home Loan (888)429-6601.
For eligible veterans and active duty military personnel a Haines City, Florida VA mortgage loan can be a wonderful benefit to take advantage of. The Department of Veterans Affairs guarantees these loans, which can finance as much as 100% of the value of the property, ensuring low rates and easier qualification guidelines when compared to conventional loans.
Local Haines City VA Mortgage Brokers (888)429-6601.
Whether your home improvement projects are large or small, a home renovation loan from Smart Mortgage Centers may be right for you. With a home improvement loan, you’ll be able to finance simple upgrades, remodeling or more complex renovation projects, and everything in between. Monthly payments on home renovation loans are typically lower than credit cards or personal loans and, in some cases, financing may even be tax deductible*. If you’re considering a home remodel, here is more information about home remodeling loans and what they can do for you and your home.
Get your Haines City, FL Home Renovation Questions answered now (888)429-6601.
If you plan to purchase a fixer-upper or renovate your existing home, an FHA 203(k) loan may be the perfect loan for you. FHA 203(k) loans in Haines City, Florida are backed by the federal government, and are a great loan option for those who want to purchase a home and perform upgrades, repairs, remodel or customize to their needs and wants. Smart Mortgage Centers has FHA 203(k) specialists standing by to answer all of your FHA 203(k) Renovation Loan questions.
What Is A Haines City, Florida Manufactured Home Loan?
Manufactured home loans are designed for factory-made homes built on a permanent chassis, and generally come in single or two-section units. This option offers various types of loans for homebuyers: FHA, VA, and conventional loans. Our Licensed Mortgage Brokers are ready to assist you at (888)429-6601.
What Are The Advantages Of A Manufactured Home Loan?
They may be small homes, but don’t be fooled – they come with big benefits. If you’re considering a manufactured home loan, these are some of the advantages:
Manufactured home loan rates are affordable
You can choose between a conventional, FHA, or VA loan
Down payment options as low as 3.5% for FHA and 5% for conventional
Manufactured homes are environmentally friendly
The Requirements Of A Manufactured Home Loan
To find out if a property qualifies for a manufactured home loan, it makes sense to seek the advice from a lender, like us. But here are some general guidelines:
The home was built on or after June 15, 1976
Has no wheels and is designed as a single-family dwelling
Has a minimum of 400 sq. ft. for an FHA mortgage
Has a minimum of 600 sq. ft. for a conventional loan
Is permanently affixed to the property site for more than 12 months
You have a credit score of at least 580 for an FHA or 620 for a conventional (Other restrictions may apply, depending upon product and State.)
If you like small home living, or If you’re a renter and want to take the first step to homeownership, a manufactured home loan in Haines City, Florida could be right up your alley. A Florida Mortgage Broker can give you more information on manufactured home loan rates and whether this loan is the right option for you.
Haines City, Florida Bad Credit Home Loan
We specialize in loans other banks turn down If you have been turned down for a conventional mortgage due to the property type, source of income, or a credit hiccup we may be able to help. We offer program’s designed to help borrowers who have had a previous bankruptcy, short sale or foreclosure. We also have a loan program for self-employed borrowers. These programs often require a higher down payment.
Credit scores from 500 – 579. Call to see if you qualify (888)429-6601.
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Haines City, Florida Homebuyer
Buying your Haines City, Florida Home
What To Expect
A great question to ask yourself is, am I confident in my Mortgage Broker? You already picked out your home, or maybe you plan on buying in the future. On your initial contact your Mortgage Broker will acknowledge your current situation, analyze and explain what options are best for you. Credit scores, income, job history, loan programs, mortgage payment and rates are a few things that will be discussed. Don’t worry our licensed Haines City, Florida Mortgage Brokers will go at your pace and thoroughly explain everything.
When Can I Shop For my Haines City, Florida Home?
Once your friendly Mortgage Broker gives you a pre-approval you will be able to shop for your dream home. Our pre-approval process takes under 10 minutes. Your pre-approval lets Real Estate agents and sellers know you are a serious and can afford to buy. Don’t have a Real Estate agent but would like one? Just ask we can refer you one. A Real Estate agent will be able to assist in finding the right home at the right price.
When Can I Close On my Haines City, Florida Home?
FAST! that is the goal for all of our clients. Every scenario is different, knowing this our Mortgage Brokers and support staff are available for support 24 hours a day. You will also have technology at your finger tips, including online applications, secure document uploads and electronic signatures. Taking responsibility early, your mortgage broker will know what documents are needed – gathering what you need and having it ready to submit will move your mortgage along quickly. Estimated closing times are available on our home page.
Why Clients Are Choosing Smart Mortgage Centers
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Get pre-approved now and start shopping for your new Haines City, Florida home. Not seeing a loan option? Chances are we have it call (888)429-6601 or start your online application.
Steps to Buying a Haines City, Florida Home
Buying your Haines City, Florida home doesn’t have to be confusing, follow our steps to a simple home buying experience.
If you have questions for our Florida mortgage brokers, simply call our 24 hour mortgage hotline.
Get Started on your Haines City, Florida Home Purchase today
Haines City is a city in Polk County, Florida, United States. Its population was 13,174 at the 2000 census and 20,535 at the 2010 census. It is the third most populous city in Polk County. It is part of the Lakeland–Winter Haven Metropolitan Statistical Area, which, in turn, is considered part of the Tampa Bay Area.
Haines City was platted in 1885, shortly after the South Florida Railroad reached the area. The city was first known as Clay Cut, but there was no railroad station. It is said that the inhabitants persuaded the railroad company to build a station by agreeing to rename their city Haines City, to honor a senior railroad official, Colonel Henry Haines.