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Florida Disaster Assistance Home Loans

Florida is well-known for its beach resorts, theme parks, warm, sunny climate, and nautical activities; millions of tourists visit places like Walt Disney World, the Kennedy Space Center, and Miami Beach each year.

Florida is a well-liked vacation spot for retirees, seasonal visitors, and both domestic and foreign migrants; it is home to nine of the ten municipalities in the United States with the fastest growth rates.

Although Florida is known as the “Sunshine State,” the State frequently experiences adverse weather conditions. Each year, hurricanes offer a significant risk; Florida, which has a subtropical or tropical marine environment and a lengthy coastline, is the state most susceptible to hurricanes.

Florida has been battered by a historic hurricane lately. Hurricane Ian is one of the most devastating hurricanes that recently hit the sunshine state. Almost 600,000 homes and businesses remained in the dark weeks after the storm tore through the State’s Gulf Coast and the death toll keeps climbing.

Hurricane Ian damaged more than 690,000 homes. According to an estimate by the property analytics firm CoreLogic, Hurricane Ian may have caused insured damages in Florida of up to $47 billion. This might make it the costliest storm in the history of the State.

Disaster Relief Home Loans in Florida

In the aftermath of the previous natural disaster that devastated the State of Florida, the Florida Housing Finance Corporation collaborates with state and federal officials to provide information on disaster relief resources.

The United States Department of Housing and Urban Development (HUD) announced that communities in Florida that Hurricane Ian impacted would be eligible to receive federal disaster aid.

Here are a few programs available for Florida households:

  • FHA 203(h)

The Section 203(h) program of HUD offers FHA insurance to victims of natural disasters whose homes were destroyed or damaged to the extent that reconstruction or replacement is necessary. These victims are confronted with the challenging task of either rebuilding their homes or purchasing new ones. Borrowers working with FHA-approved lenders participating in the program are eligible for up to 100 percent financing, including closing fees.

  • FHA 203(k)

Those who have recently been displaced are eligible for the Section 203(k) loan program offered by the Department of Housing and Urban Development (HUD). This program allows for a single mortgage to finance the purchase of a new home and the cost of repairing the existing one. In addition, it makes it possible for homeowners whose homes have been damaged to fund the renovation of their current single-family dwellings.

  • Section 184

The Department will supply FEMA and the State with information on housing providers in the affected counties who may have vacant units and share this information with them. This comprises Multi-Family owners, public housing agencies, and tribal-designated housing entities. In addition, the Department will put FEMA and the State in touch with subject matter experts who may give information on HUD programs and providers.

  • Fannie Mae HomeStyle

Borrowers can incorporate home upgrade funding into purchasing or refinancing an existing house through the HomeStyle Renovation Mortgage offered by Fannie Mae. You have the flexibility to take a property in its current condition and personalize it, make it more modern, and update it so that it better fits your requirements when you obtain a HomeStyle loan.

  • Freddie Mac ChoiceRenovation

Borrowers who go through Freddie Mac’s CHOICERenovation mortgage program can purchase a home and improve it without obtaining two separate loans. It also enables existing homeowners to refinance their homes, incorporating the cost of any necessary renovations into the new loan amount. Because you can finance your house loan and repairs with a single mortgage through the CHOICERenovation loan, you can save thousands of dollars in additional closing costs.

Apply for a Disaster Relief Home Loan

Capital Home Mortgage Florida is a Florida mortgage company committed to providing Florida home loans with low-interest rates and closing costs. Capital Home Mortgage provides dedicated contact points throughout the mortgage process to keep you informed from application to funding. We recognize that owning a home is the most crucial decision most individuals will ever make.

To speak with one of our Home Loan Specialists, please call us at (239) 310-5599. Your requirements for a house loan are important to us, and we are here to help.

Why Florida is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Florida Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Flordia Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Florida Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Florida Mortgage Loans

Florida Home Purchase

Buying a Florida Home?

  • Primary, 2nd, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Reno, Manufactured

Florida Renovation Home Loans

Florida Rehab Loans

  • Remodel, Renovate, Repair
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Choice Reno

Florida FHA Home Loans

1st Time Florida Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores Allowed

Florida VA Home Loans

100% Loans for Florida Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

Florida Conventional Home Loans

Flexibility for Florida Buyers

  • Primary, 2nd, Investment
  • Great Rates & Low Fees 
  • Single and Multi-Family
  • Renovation Loan Programs

Florida Jumbo Home Loans

Great Florida Rates

  • Primary & 2nd Homes
  • Higher Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Florida USDA Home Loans

Florida Rural Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes
  • Closing Costs Can Be Rolled In

Florida Native American Loans

Florida HUD 184 Loans

  • Primary Residence Only
  • Manual Underwrite All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Florida Manufactured Home Loans

Florida Mobile Homes

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

Florida Reverse Mortgages

Your Florida Home at Work!

  • Primary Residence Only
  • Simple Qualifying
  • Credit Scores Not Applicable
  • Minimum Age 62

Florida Mortgage Refinance

Florida Cash-Out or Rate and Term

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Florida Non Qualified Mortgage

Making Florida Mortgages Possible

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

Florida Mortgage Team

Conor Hayhurst

Manager
NMLS 743506

Damon Embler

Sr Loan Officer
NMLS 882260

chris erwin

Sr Loan Officer
NMLS 914064

Dale Gremillion

Manager
NMLS 210325

Florida Mortgage Company Reviews

State Specific Mortgage Information
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