West Palm Beach FHA Mortgage Refinance Guide


West Palm Beach FHA refinance

Many West Palm Beach residents  are trying to figure out a way to trim monthly expenses as we begin 2015.  The new year is always a great time to think up new ways to reduce all your monthly reoccurring costs.  Cell phone, Cable/internet, Credit card interest, and of course your mortgage.  Taking a few minutes to compare these costs could end up saving you hundreds each month.  If you haven’t considering a refinance on your FHA mortgage, now be the time, especially if you received a FHA in the last few year.  Why?  Recent FHA mortgage insurance reductions and super low interest rates.

FHA just announced last week that starting at the end of the month, the monthly mortgage insurance rate ( MI or PMI rate) will be reduced from 1.35% to .85%.   Please read more about  FHA plans to reduce mortgage insurance here.  This is huge for West Palm Beach homeowners that received a FHA over the last few years at the higher 1.35% MIP rate. This is especially big news for West Palm Beach homeowners that have higher FHA loan amount – over $225,000 as their savings for be much more.  The reduction in just mortgage insurance will save the average Florida homeowner  $900 per year.  Add to this that home loan interest rates happen to be at the lowest point over a year and refinancing makes even more sense. The monthly savings of a streamline FHA refinance could amount to possibly hundreds a month.

West Palm Beach homeowners that currently have a FHA loan do not need to worry about equity requirements as homeowners can still refinance if they are upside down on their mortgage.  The FHA streamline makes refinancing easy and lifts many of the “equity barriers” with traditional mortgage programs.  No appraisal or home inspections is needed. Furthermore, the documentation process is greatly reduced and “streamlined”

Also homeowners that do have equity can inquire about the FHA cash out refinance options available in 2015. Home interest rates are so low it often makes sense to cash out equity to pay off higher interest debt like credit cards, car loans, etc.

All Florida homeowner are encouraged to contact us for more information, 7 days week. For quick service please submit the “Request Information” form at the top right side of your screen.  Mobile users can find the short Request Info Form here.

Five Stars Mortgage is Florida’s local FHA loan resource serving  Palm Beach County 7 days a week –  Atlantis, Belle Glade, Boca Raton, Boynton Beach, Delray Beach, Glen Ridge, Golf, Greenacres, Gulf Stream,  Juno Beach, Jupiter, Lake Park, Lake Worth, Lantana, Loxahatchee, Manalapan, Mangonia Park, North Palm Beach, Ocean Ridge, Pahokee, Palm Beach, Palm Beach Gardens, Palm Beach Shores, Palm Springs, Riviera Beach, Royal Palm Beach, Tequesta, Wellington and West Palm Beach FL

West Palm Beach FHA Mortgage Refinance Guide

FHA Mortgage Insurance MI Going Down

FHA lower MI

FHA  (Federal Housing Administration) announced this week its plan to lower mortgage insurance premiums, a day after President Obama unveiled the effort to kick start first time buyer home purchases.  This is wonderful news for Florida first time buyers in 2015. For 30-year mortgages with less than a 5 %, the mandatory annual mortgage insurance rate of 1.35 percent of the loan balance will be cut to 0.85 percent. For FHA-insured loans with more than a 5 percent down payment, the previous 1.30 percent rate will be reduced to 0.80 percent. The chart to the left shows how much an average borrower with a $200,000 mortgage will save over the life of their loan.

But the reduced rates will not apply to borrowers with 15-year mortgages, according to a letter issued to mortgage lenders by FHA. The insurance rates on that loan product, which range from 0.45 percent to 0.95 percent of the loan balance, remain the same. The lower insurance rates on 30-year mortgages will take effect 1/26/2015. FHA said it will temporarily allow FHA purchase loan and refinancing applications now in process and that have a case number but have not closed to be canceled. Then, borrowers can restart the process and get new case numbers assigned on or after Jan. 26.  We encouraged Florida borrowers to contact us to review their options.

Below is the new mortgage insurance chart as of Jan 26, 2015 –

NEW FHA MI chart


Homeowners that have existing FHA home loans are encouraged to contact us to discuss FHA streamline refinance options.  Refinancing may make sense for many Florida homeowners stuck with the FHA higher 1.35% mortgage insurance over the last few years.  Lower mortgage insurance combined with near historic low rates could mean huge savings on monthly mortgage payments.

Call us 7 days a week at ph: 800-871-2636.  For quick service please submit the “Request Information” form at the top right side of your screen.  Mobile users can find the short Request Info Form here.  Please also be sure to visit www.FiveStarsMortgage.com for the latest mortgage info.

FHA Mortgage Insurance MI Going Down 2015

Teacher Home Mortgage Incentives

Florida Teacher Mortgage


Florida teachers have an assortment of home loan financing options available to them in 2015.  Many of these mortgage options are government backed programs – FHA and USDA being the most popular.  Florida teachers also have a verify down payment assistance programs available through county and city agencies and can be used in conjunction with FHA and USDA loans.  Let’s looks a breakdown of the most popular mortgage options being used to help teachers purchase a home today.

  • USDA Mortgage Financing: USDA home loans are very popular among FL Teachers and other public service workers like Police, Firefighters and EMT.  Mainly in part because USDA is the only mortgage financing option in Fla that still permits 100 percent financing.  Unless you have military benefits, USDA Rural Housing is the only $0 down payment option.  Since the program is 100% financing,  no down payment assistance is required or needed. In addition no “fist time homeowners” class or school is required.  The USDA loan pre approval process is quick, applicants can generally complete their application and pre approval in under 30 min.  Other USDA benefits include:  Seller paid closing costs up to 6%.  The USDA program is NOT limited to just first time home buyers, however, homeowners that currently own a home will face additional financing restrictions.
  • 100% financing, no first time buyers class, etc – sounds like the perfect program?  The only real down fall of the USDA loan is the program does have (2) key eligibility criteria that must be met.   First, the home you purchase must be rural eligible, and located in a approved area.  See the USDA map area here.   Second, the income for the household must be below a certain limit based on the county and number of people living in the household.   You can find the 2015 USDA household  income limits here.  If you have questions about the USDA program please contact us anytime at 800-871-2636 or just submit the request info form on this screen.
  • FHA Home Loans: FHA loans remain the most popular loan available to Florida home buyers.  FHA loans are  available for any move in condition homes, regardless of where the house is located. Like the USDA RD loan, borrowers are not required to be first time home buyers or required to take any first time buyers class, etc.   There are no income restrictions (limits) with the FHA home loan. However,  FHA loans do require a small down payment of 3.5% – but this down payment can be in the form of a gift from family, etc. Teachers can also use the verity of acceptable down payment assistance programs to pay the required 3.5% down payment and closing costs. SHIP among other down payment incentive programs can be used. Contact us today for a list of approved down payment assistance programs.
  • FHA also has the special HUD $100 down program. This FHA program is only for HUD owned homes, please see the list of HUD homes for sale here. The big advantage with the HUD 100 program is buyers can move into their home for only $100.00

Five Stars has been showing Florida Teacher the path to homeownership since 2006. Need assistance? For fast service please submit the “Request Information” form at the top right side.  Mobile users can find the short Request Info Form here.  Be sure to also visit www.FiveStarsMortgage.com for the latest mortgage info.

Serving all of Florida Teachers, including North East Florida  – Duval, Nassau, Clay, St. Johns, Baker, Bradford, Columbia, Flagler County. Teacher Home Mortgage Incentives

USDA Rural Housing Loan – Fort Walton, Destin, Okaloosa

Five Stars Mortgage

Okaloosa and Walton County Florida remains a popular area for the 100% USDA housing program in 2015. In fact most of Okaloosa and Walton County remain eligible and approved for USDA housing in 2015.   Locations like DeFuniak Springs, Santa Rosa Beach, Crestview, Destin, Fort Walton Beach, and  Valparaiso all remain eligible to for the no money down USDA Rural Development mortgage.   The USDA 502 Guarantee home loan program remains one of the last mortgage programs that allows Florida homebuyers to purchase a home with little to no out of pocket expense.   This is especially great for the Florida first time buyers that have issues meeting the large down payment requirements of other loan programs like FHA or Conventional loans.  Here are some of USDA program highlights below.

  • NO money down, 100% financing.
  • Seller is allowed to pay up to 6% of buyers closing costs and tax/insurance escrows.
  • Just about any “move in” single family home is ok, regardless of who is selling the home. The home just has to be located in a USDA eligible location.  No mobile homes.
  • You don’t have to be a first time home owner to apply.
  • USDA Rural interest rates are secure low 30 yr fixed rates with no early pay off penalty.
  • No first time buyers class is required to apply. Buyers can obtain their USDA loan application and mortgage pre approval letter in under 30 min.

Serving Okaloosa County and  Walton County 7 days a week, including  DeFuniak Springs, Freeport, Miramar Beach,  Redbay, Santa Rosa Beach. Crestview, Destin, Fort Walton Beach, Laurel Hill, Mary Esther, Niceville, Shalimar, Valparaiso.

Need assistance? For fast service please submit the “Request Information” form at the top right side.  Mobile users can find the short Request Info Form here.  Be sure to also visit www.FiveStarsMortgage.com for the latest mortgage info.

USDA Rural Housing Loan – Fort Walton, Destin, Okaloosa

Beginning VA Home Loan Process

Great video from our friends at VA Mortgage Hub that shows Beginning VA Home Loan Process-  how to start your VA mortgage application here in Florida.  What paperwork and documentation should be gathered before loan application.

Need assistance? For fast service please submit the “Request Information” form at the top right side.  Mobile users can find the short Request Info Form here.  Be sure to also visit www.FiveStarsMortgage.com for the latest mortgage info.


FHA HUD $100 Home Loan Financing?

Five Stars Mortgage

Most Florida homebuyer aren’t aware that FHA/HUD has a little known program called the HUD REO $100 Down Program.  Yes! $100 down home loans here in Florida is still possible. In most cases the FHA loan program requires 3.5% down payment, not the HUD $100 down program.  This loan is perfect for new first time buyers entering the housing market with little to no money for large down payments.  The HUD $100 down program is available in  27 states across the U.S., Florida included.  The HUD $100 Down program makes government owned foreclosures available for purchase with just a $100 down payment. And, these homes are available with an insured FHA loan for owner-occupants. In addition, monthly payments can be very low thanks to secure low 30 year fix mortgage rates. First time buyers often find it cheaper to own their own home than to rent.

So, what is the catch to the Florida HUD REO 100 Down Mortgage?  The only catch is the property must be a HUD owned home.  You can find the complete list of Florida HUD home for sale here.  Basically a HUD home is a home that was foreclosed on and had a FHA-insured mortgage.  HUD pays off the losses of the lender and takes the home back to sell and recoup their losses.  It is then offered for sale at market value, based on a recent AS-IS appraisal, meaning, and the market value in its current condition. If you find a HUD home you like, a HUD registered realtor is needed to help set up a showing and to make a bid.  HUD homes are listed for sale by management companies under contract by HUD. They are listed and sold through a bid process, and any real estate broker registered with HUD may submit an offer and contract to purchase on your behalf.  Feel free to contact us if you need a Realtor recommendation in your Florida city, we would be happy to make the connection.

Who can purchase a HUD home?  Pretty much any homebuyer that can qualify for a standard FHA mortgage.  If you have the cash and credit to qualify for a loan you may buy a HUD Home. HUD Homes are initially offered to owner-occupant primary homes. Following the priority period for owner occupants, first time buyers, etc… it’s then the unsold properties are available to all buyers, including investors.

Now let’s discuss some of the wonderful benefits of the HUD $100 down home loan.

  • The HUD 100 down mortgage is only for owner occupied primary residences. The means buyers will not be competing with investors when making a bid.
  • The program only requires $100 down payment.
  • Up to 3% of buyers closing costs can be paid by HUD.
  • The credit underwrite approval process on the HUD REO $100 Down Payment program is the same as a normal FHA purchase loan.
  • If the HUD property needs some minor repairs, HUD will allow up to $5,000 of required repairs to be held in an escrow account.  If the property is in need of more extensive repairs in excess of $5,000, you can still purchase it using a FHA 203K Renovation loan. Please contact us 7 days a week at ph: 800-871-2636

Other notes about the FHA HUD 100 Down program here in Florida:

  • You need earnest money deposit when you make a bid. This earnest money (or good faith deposit) will be held in escrow. This money will be applied to any outstanding the costs the buyer may have. For HUD homes UNDER $50,000, the earnest money despot is $500. For HUD homes OVER $50,000, the earnest money is despot $1,000.
  • All standard FHA qualifying requirements apply to the HUD REO $100 down program. Buyers will need a stable 2 year job history, 620 credit score, etc. All the basic FHA approval requirements can be found here. The HUD 100 program lender approval is quick and easy, the process generally takes about 15 min to complete.

Florida homebuyer that have HUD 100 pre approval questions, or would like to start a HUD $100 down loan application, please contact us at www.FiveStarsMortgage.com or call ph: 800-871-2636.  Need assistance? For fast service please submit the “Request Information” form at the top right side.  Mobile users can find the short Request Info Form here.

Five Stars –  providing mortgage solutions all Florida home buyers including  – Jacksonville FL, Lakeland, Orlando, Tampa, Tallahassee, Gainesville, Sarasota, Naples FL, Ocala, Daytona Beach, Titusville, West Palm Beach, Miami FLA. FHA HUD 100% Home Loan Financing?


Seminole County USDA Loan Approval

The USDA Rural Development Home Loan is the last remaining no down payment government insured mortgage program for Florida civilians. The USDA mortgage program is designed to help promote homeownership less populated locations around Florida.  Many people assume the USDA loan program is only for farmers or ranchers, not true. Many major metropolitan areas have outlining areas that are qualified USDA eligible property locations. Locations around major cities like Jacksonville, Orlando, Tampa, Gainesville, Ocala, Tallahassee, Pensacola have USDA eligible locations around them. Seminole County also has eligible locations as of 2015.  Interested homebuyers can click here to view USDA eligible zones in their location.

The USDA loan program will allow homebuyers to borrower up to 102% of the home’s appraised value. In addition, homebuyers can include closing costs into their loan assuming their appraised value is sufficient.

Some benefits of a USDA Home Loan include:

  • 102% Financing,  No Down Payment required!
  • Low monthly mortgage Insurance (PMI) One-time USDA funding fee that is included into your loan.
  • No Loan Amount limits.
  • No Cash Reserve Requirements
  • 6% Seller Contribution Limitations
  • 100% Gifted Closing Costs allowed
  • 30 year low fixed rate loan
  • No Prepayment Penalty
  • Primary Residents only (no rentals/investments or second homes permitted)

To qualify for the USDA loan program, there are two main requirements that differ from the other government loan programs (FHA or VA loan program)

Property Location: The home must be located in a Florida USDA eligible designated rural area. Please click here. Remember, the seller of the property is not important, just where the property is physically located.

Household income: Each county has different USDA Income restrictions. The income limit is based on many different variables, see the RD income limits here.

Need assistance? For fast service please submit the “Request Information” form at the top right side.  Mobile users can find the short Request Info Form here.  Be sure to also visit www.FiveStarsMortgage.com for the latest mortgage info.

Seminole County 7 days a week including Altamonte Springs, Casselberry, Geneva, Lake Mary, Lake Monroe, Longwood, Oviedo, Sanford, Winter Springs, Seminole County USDA Loan Approval

USDA Zero Down Housing, First Time Buyers

First Time Home Buyers Florida


The USDA loan program is without a doubt one of the best programs for first time buyers in the market today.  Not only is USDA the only program that allows 100% financing, the USDA/ Rural Housing program is available for any qualified first time home buyer in Florida. Unless you have VA benefits, the USDA RHS program is the only housing program that permits 100% financing in Florida.  Oh, and the best part is you don’t need to worry about taking any school/class, or applying for any “first time buyer” housing grant or down payment assistance. In addition, the USDA 502 guarantee loan is available to any eligible homebuyer, you are not required to be a first time buyer.  Get pre approved today, and close on a home in as little as 45 days, it’s that simple.

The USDA housing guidelines pretty flexible but may change in regards to approved locations over the next year,  so take advantage of this program now before it’s too late. Also, there are no loan limits but income limitations do apply based on the Florida county you are going to purchase the home in, and your family size. Finally, USDA program offers low annual fee which is less than mortgage insurance on an FHA loan so you are able to put $0 down and obtain a lower payment than FHA loan with a 3.5% min down payment. Please be sure to contact us with any questions at ph: 800-871-2636 – 7 days a week.


The primary borrower must have 2 credit scores and the co-borrower can have only one score. The minimum credit score is 640 and you may qualify for the program with a limited credit history. For example, one credit account with a 12 month history and a 12 month rental history may be enough credit history to qualify for this program.


There are income restrictions and USDA will consider the income of a spouse, a girlfriend or boyfriend, and family members who earn income in the household toward the maximum income limit even if any of these individuals are not on the loan. Check income eligibility. Also, overtime and bonus as well as any other variable income will be averaged over the last 2 years and considered for eligibility and possibly qualifying purposes.


The loan requires NO down payment but there are closing costs which can be paid by the seller or financed into the loan amount if the home appraises higher than the purchase price. Also, cash reserves are not required in most situations since the home buyer need little to no money to close!


All installment debts with 6 months or less does not count against you in the debt ratio. The maximum debt allowed is 44% of your gross monthly income which includes mortgage plus auto, personal, and student loan payments (even if deferred) as well as minimum credit card payments. Furthermore, if your debt ratio is too high then you should pay off the debt you need to qualify PRIOR to buying a home and allow 30 days for the credit bureaus to report these items as being paid off.


The home must be located in eligible area for USDA housing. The good news is 80% of Florida is currently eligible for the program.  All of Gilchrist County, Lafayette County, Dixie County is 100% eligible for USDA housing.  The home should also be in decent condition and  move-in ready.  Otherwise, repairs on the home will need to be completed prior to closing. This can sometimes be a challenge with bank owned homes, foreclosures. Also, homes in rural areas may require well and septic inspections. Finally, acreage should be typical for the area and no working farms or income producing properties may be considered for USDA program.

Any Florida first time home owner in Gilchrist, Lafayette or  Dixie County who want to utilize the 100% USDA program and learn about eligibility should seek a mortgage provider that has experience closing these type of loans as the guidelines are different than other government home loan programs.  Florida  homebuyers that want to get started with their USDA home loan application should visit http://www.fivestarsmortgage.com/usda-rural-loan

Questions? For quick service please submit the “Request Information” form at the top right side of your screen.  Mobile users can find the short Request Info Form here.  Be sure to also visit www.FiveStarsMortgage.com for the latest mortgage info.

Serving Gilchrist County 7 days a week including, Bell, Fanning Springs, Trenton.  Lafayette County – Day and Mayo. Dixie County , Cross City, Horseshoe Beach, Jena, Old Town.

Jacksonville Hard Money Lender

Jacksonville Hard Money LenderJacksonville home buyers and investors know it  can be very difficult to secure a loan fast. Sometimes you need funds quick to stay out  financial problems with your business or personally, or maybe need to keep your properties from being foreclosed. You just don’t have time to deal with all the red tape involved in traditional financing, enter Hard Money.  Hard money lending rarely recognizes your creditworthiness and instead looks at the value of the property for which the loan is to be made. Equity is the key with hard money. These loans are higher risk without a doubt, for both parties and generally come with higher rates and fees. However any good hard money lender like Five Stars Mortgage makes sure to inform you of all fees involved in advance.

Many loans are reviewed and accepted in the shortest time possible making Florida hard money a reasonable short term solution if you are looking for quick cash against your property. There are many uses for hard money. If you are a borrower interested in the purchase of a new property but are prevented by strict credit guidelines, legal obligations or even the condition of the property itself, then a hard money loan can help the situation until a source of conventional funds is acquired or the property is sold. Also if you’re having trouble with your standard conventional mortgage then a hard money loan is also a good way to avoid foreclosure, again assuming you have equity.

There are many hard money lenders in Jacksonville that can offer flexible terms to finance the loan in as little time possible, which is something that is commonly unavailable with other kinds of financial institutions. You can expect approval same day, and expect to close in as little as 3-5 days.  Again, speed being the key with Hard Money.  Any Jacksonville residents that have questions, please call us 7 days a week until 8pm @ ph: 800-871-2636.   Please also visit our website below for Hard Money requirements and guidelines here in Jacksonville. http://www.fivestarsmortgage.com/florida-loan-programs/florida-hard-money

Need assistance? For fast service please submit the “Request Information” form at the top right side of your screen.  Mobile users can find the short Request Info Form here.  Be sure to also visit www.FiveStarsMortgage.com for the latest mortgage info.

Jacksonville Hard Money Lender, Broker, Bank – Serving all of Florida – including Duval, St. Johns, Clay and Nassau County –  Jacksonville, Orange Park, Green Cove, St. Augustine, Fernandina Beach, Callahan

Florida FHA Loan Amount Limit 2014

Five Stars Mortgage

Please see the Florida FHA Loan Amount Limit 2014 below for each FL County. Questions? For fast service please submit the “Request Information” form at the top right side of your screen.  Mobile users can find the short Request Info Form here.  Be sure to also visit www.FiveStarsMortgage.com for the latest mortgage info.

Florida Counties One-Family Two-Family Three-Family Four-Family MSA
Alachua County $271,050 $347,000 $419,425 $521,250 GAINESVILLE, FL
Baker County $304,750 $390,100 $471,550 $586,050 JACKSONVILLE, FL
Bay County $271,050 $347,000 $419,425 $521,250 PANAMA CITY, FL
Bradford County $271,050 $347,000 $419,425 $521,250 NON-METRO
Brevard County $271,050 $347,000 $419,425 $521,250 PALM BAY-MELBOURNE-TITUSVILLE, FL
Broward County $345,000 $441,650 $533,850 $663,450 MIAMI-FORT LAUDERDALE-WEST PALM BEACH,
Calhoun County $271,050 $347,000 $419,425 $521,250 NON-METRO
Charlotte County $271,050 $347,000 $419,425 $521,250 PUNTA GORDA, FL
Citrus County $271,050 $347,000 $419,425 $521,250 HOMOSASSA SPRINGS, FL
Clay County $304,750 $390,100 $471,550 $586,050 JACKSONVILLE, FL
Collier County $448,500 $574,150 $694,000 $862,500 NAPLES-IMMOKALEE-MARCO ISLAND, FL
Columbia County $271,050 $347,000 $419,425 $521,250 LAKE CITY, FL
Desoto County $271,050 $347,000 $419,425 $521,250 ARCADIA, FL
Dixie County $271,050 $347,000 $419,425 $521,250 NON-METRO
Duval County $304,750 $390,100 $471,550 $586,050 JACKSONVILLE, FL
Escambia County $271,050 $347,000 $419,425 $521,250 PENSACOLA-FERRY PASS-BRENT, FL
Flagler County $271,050 $347,000 $419,425 $521,250 DELTONA-DAYTONA BEACH-ORMOND BEACH, FL
Franklin County $271,050 $347,000 $419,425 $521,250 NON-METRO
Gadsden County $271,050 $347,000 $419,425 $521,250 TALLAHASSEE, FL
Gilchrist County $271,050 $347,000 $419,425 $521,250 GAINESVILLE, FL
Glades County $271,050 $347,000 $419,425 $521,250 NON-METRO
Gulf County $271,050 $347,000 $419,425 $521,250 PANAMA CITY, FL
Hamilton County $271,050 $347,000 $419,425 $521,250 NON-METRO
Hardee County $271,050 $347,000 $419,425 $521,250 WAUCHULA, FL
Hendry County $271,050 $347,000 $419,425 $521,250 CLEWISTON, FL
Hernando County $271,050 $347,000 $419,425 $521,250 TAMPA-ST. PETERSBURG-CLEARWATER, FL
Highlands County $271,050 $347,000 $419,425 $521,250 SEBRING, FL
Hillsborough County $271,050 $347,000 $419,425 $521,250 TAMPA-ST. PETERSBURG-CLEARWATER, FL
Holmes County $271,050 $347,000 $419,425 $521,250 NON-METRO
Indian River County $271,050 $347,000 $419,425 $521,250 SEBASTIAN-VERO BEACH, FL
Jackson County $271,050 $347,000 $419,425 $521,250 NON-METRO
Jefferson County $271,050 $347,000 $419,425 $521,250 TALLAHASSEE, FL
Lafayette County $271,050 $347,000 $419,425 $521,250 NON-METRO
Lake County $274,850 $351,850 $425,300 $528,550 ORLANDO-KISSIMMEE-SANFORD, FL
Lee County $271,050 $347,000 $419,425 $521,250 CAPE CORAL-FORT MYERS, FL
Leon County $271,050 $347,000 $419,425 $521,250 TALLAHASSEE, FL
Levy County $271,050 $347,000 $419,425 $521,250 NON-METRO
Liberty County $271,050 $347,000 $419,425 $521,250 NON-METRO
Madison County $271,050 $347,000 $419,425 $521,250 NON-METRO
Manatee County $285,200 $365,100 $441,300 $548,450 NORTH PORT-SARASOTA-BRADENTON, FL
Marion County $271,050 $347,000 $419,425 $521,250 OCALA, FL
Martin County $316,250 $404,850 $489,350 $608,150 PORT ST. LUCIE, FL
Miami-Dade County $345,000 $441,650 $533,850 $663,450 MIAMI-FORT LAUDERDALE-WEST PALM BEACH,
Monroe County $529,000 $677,200 $818,600 $1,017,300 KEY WEST, FL
Nassau County $304,750 $390,100 $471,550 $586,050 JACKSONVILLE, FL
Okaloosa County $325,450 $416,600 $503,600 $625,850 CRESTVIEW-FORT WALTON BEACH-DESTIN, FL
Okeechobee County $271,050 $347,000 $419,425 $521,250 OKEECHOBEE, FL
Orange County $274,850 $351,850 $425,300 $528,550 ORLANDO-KISSIMMEE-SANFORD, FL
Osceola County $274,850 $351,850 $425,300 $528,550 ORLANDO-KISSIMMEE-SANFORD, FL
Palm Beach County $345,000 $441,650 $533,850 $663,450 MIAMI-FORT LAUDERDALE-WEST PALM BEACH,
Pasco County $271,050 $347,000 $419,425 $521,250 TAMPA-ST. PETERSBURG-CLEARWATER, FL
Pinellas County $271,050 $347,000.00 $419,425 $521,250.00 TAMPA-ST. PETERSBURG-CLEARWATER, FL
Polk County $271,050 $347,000 $419,425 $521,250 LAKELAND-WINTER HAVEN, FL
Putnam County $271,050 $347,000.00 $419,425 $521,250.00 PALATKA, FL
Santa Rosa County $271,050 $347,000 $419,425 $521,250 PENSACOLA-FERRY PASS-BRENT, FL
Sarasota County $285,200 $365,100 $441,300 $548,450 NORTH PORT-SARASOTA-BRADENTON, FL
Seminole County $274,850 $351,850.00 $425,300 $528,550.00 ORLANDO-KISSIMMEE-SANFORD, FL
St. Johns County $304,750 $390,100.00 $471,550 $586,050.00 JACKSONVILLE, FL
St. Lucie County $316,250 $404,850 $489,350 $608,150 PORT ST. LUCIE, FL
Sumter County $271,050 $347,000 $419,425 $521,250 THE VILLAGES, FL
Suwannee County $271,050 $347,000 $419,425 $521,250 NON-METRO
Taylor County $271,050 $347,000 $419,425 $521,250 NON-METRO
Union County $271,050 $347,000 $419,425 $521,250 NON-METRO
Volusia County $271,050 $347,000 $419,425 $521,250 DELTONA-DAYTONA BEACH-ORMOND BEACH, FL
Wakulla County $271,050 $347,000 $419,425 $521,250 TALLAHASSEE, FL
Walton County $325,450 $416,600 $503,600 $625,850 CRESTVIEW-FORT WALTON BEACH-DESTIN, FL
Washington County $271,050 $347,000 $419,425 $521,250 NON-METRO

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