The majority of our home buyers use the FHA Mortgage to buy their new home. First Time Home Buyers find this loan to be the best option available to them.

Here are just some of the reasons why you may want to consider an FHA Mortgage!

• 3.5% Down Payment that can be gifted from a family member!
  
• Low 30 year fixed interest rate
  
• 620 credit score or higher
  
• No Prepayment penalty, No balloon and No Adjustable Rate Mortgage!
  
• 6% Seller paid closing costs

If you are a Florida First Time Home Buyer you need to make sure you qualify for the $8,000 Tax Credit. If you qualify you will receive a tax credit of $8,000 or 10% of the purchase price whichever is less!

The qualifications of an FHA Mortgage are very similar to other mortgages except for the lower down payment and better interest rate.

You will want to be prepared for the mortgage process so use our Florida Mortgage University Home Buyer Tips!

FHA Mortgage Rates are at an all time low and so is the price of
Florida real estate! Apply Today!

Hart Mortgage Services has several FREE tools available to you to help in the home buying process!

Search Thousands of Florida Homes for FREE!
Click Here: Florida Home Search Engine!

Does your credit stink and you know it? If so start fixing your credit today and get on the fast track to a 700+ credit score!
Click Here: Hart Mortgage Services Credit Repair

Don't let Hart Mortgage Services brag about ourselves, please read what our past clients have said about us.
Click Here: Hart Mortgage Services Testimonials

Do you have questions or concerns?

Please call us at 239-437-4278 and speak with one of our experienced Florida Loan Officers today or use our online  Ask an Expert and we will get back with you as soon as we can.