You Can Get an FHA Mortgage Even With Past Credit Issues:

By: Glenn Keller - BretlinFloridaMortgage.com

We offer FHA insured home loans at low fixed interest rates even to people that have some past credit issues. An FHA mortgage is insured by the federal government and it makes it easier for companies like us to approve home loans if they meet FHA credit and underwriting guidelines.

An FHA mortgage is almost always the best program for first-time-home-buyers or home-buyers that need a solid loan program with a low  fixed rate. Unlike sub-prime mortgages, FHA mortgage loans have no pre-payment penalties for early payoff or refinancing. FHA is also a great choice for homeowners when considering refinancing their present mortgage.

An FHA mortgage requires a 3% down-payment. However, here is the good news that will help you get 100% of what you need to purchase a home. We have "Gift Funds" available for home-buyers that allow you to borrow 100%!  These "Gift Funds" are 100% approved by FHA.

If you want to know if you might qualify for this program, review the requirements below:

1. Is your income verifiable by W2's and pay-stubs from your employer?

2. Have you been employed on your current job for more than 1 year or have you been in the same profession for 2 or more years?

3. If you have ever filed Bankruptcy, has it been discharged 2 or more years? Have you re-established credit since filing?

4. Do you have two or more active tradelines that have been paid satisfactory?

5. Do you have a good rental or mortgage payment history? (last 12 months)

6. Do You have a checking account that has not been overdrawn in the last 60 days?

If you answered yes to the 6 questions above and honestly consider your credit to be fair or better, there is an excellent chance that you will qualify for this program. A low fixed rate mortgage with a 30 year term. Now before you begin your search for a home, it is best to get pre-approved. You can pre-qualify or apply online here on our site or simply pick up the phone and give us a call at 904-226-0648 or send me an email at gmkeller@tds.net

BretlinFloridaMortgage.com: Phone 904-226-0648 - Toll Free at 800-572-5964 -  Email: gmkeller@tds.net

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