The Best 2024 Duck Key FHA Mortgage Programs
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640 + Fico Score Home Loans
Having a 640 credit score allows for homebuyers to qualify for a majority of programs available across the U.S.A. The popular Duck Key FHA home loan was introduced in 1934. The program features lower down payment options and easier qualifications for new and repeat homebuyers. Another Government program strictly for Veteran’s was introduced in 1944, the Duck Key VA home loan allows for certain service members to buy a home with no money down even with lower credit scores. Another favorite of ours, the USDA home loan created in 1991 offers the no money down option. Last but not least a homebuyer favorite the forgivable Duck Key FHA homebuyer grant. With over 26 years of experience our experts are here to answer your questions. We will have you pre-approved and ready to shop in minutes.
Get Pre-Approved Now
(640 Credit Score Required)
FHA Loan Benefits
- Buy with 3.5% Down
- 640 Credit Qualifies for a Grant to Cover Down Payment
- Easier Credit Qualifications
- Extremely Loan Rates for Home Buyers
USDA Loan Benefits
- Buy with No Money Down
- Streamlined credit approval for scores above 640
- Look Up Eligible USDA Areas Here
- Extremely Loan Rates for USDA Home Buyers
FHA Grant Benefits
- Grant is completely forgiven
- Grant can be used for down payment
- Not required to be first time home buyers
- Keep your down payment money in the bank
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
Duck Key is Eligible for FHA Home Buyers
Popular FHA Cities for New Home Buyers
- Orchid FL FHA Home buyer Programs
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- Port St. Lucie FL FHA Home buyer Programs
620 + Fico Score Home Loans
Having a 620 credit score allows new Duck Key homebuyers many options. The FHA offers amazing rates even with less than perfect credit. Even better the FHA offers buyers the option to buy with a 3.5% down payment. Don’t have a down payment, no worries we offer a private Duck Key FHA grant program. The Duck Key FHA grant program requires a minimum 620 credit score. The programs don’t stop there, Even with a 620 credit score we have more options. The USDA home loan and the Duck Key VA home loan are also available. The USDA mortgage allows for home buyers to purchase with NO money down. Understand the average qualifying credit score is 640 but our 2024 guidelines allow for manual underwriting. A manual approval will need to be completed by an underwriter and is not guaranteed. Last but not least our Duck Key VA Military home loan is another NO money down option for those who serve the USA, the greatest country on earth.
Get Pre-Approved Now
(620 Credit Score Required)
FHA Loan Benefits
- Buy with 3.5% Down
- 620 Credit Qualifies for a Grant to Cover Down Payment
- Easier Credit Qualifications
- Extremely Loan Rates for Home Buyers
USDA Loan Benefits
- Buy with No Money Down
- 620 credit scores will need manual approval by underwriting
- Look Up Eligible USDA Areas Here
- Extremely Loan Rates for USDA Home Buyers
FHA Grant Benefits
- Grant is completely forgiven
- Grant can be used for down payment
- Not required to be first time home buyers
- Keep your down payment money in the bank
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
Areas Near Duck Key are Eligible for USDA Loans
Popular areas that may be Eligible for USDA Home Buyers
580 Fico Score Home Loans
Having a 580 plus credit score will allow Duck Key home buyers a few great options. The FHA offers amazing rates even with less than perfect credit. With a 580 credit score a down payment of 3.5% will be needed. The down payment can come as a gift. Another great options for lower credit scores is our Duck Key VA Military home loan. Veteran’s can qualify with a 580 credit score and NO money down.
Get Pre-Approved Now
(580 Credit Score Required)
FHA Loan Benefits
- Buy with 3.5% Down
- Gift funds excepted for down payment
- Easier Credit Qualifications
- Extremely Loan Rates for Home Buyers
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
Duck Key is Eligible for Veteran Home Programs
Popular Cities for Veteran Home Buyers
- Best VA Loans in Jacksonville, Florida
- Best VA Loans in Miami, Florida
- Best VA Loans in Tampa, Florida
- Best VA Loans in Orlando, Florida
- Best VA Loans in St Petersburg, Florida
- Best VA Loans in Hialeah, Florida
- Best VA Loans in Port St Lucie, Florida
- Best VA Loans in Tallahassee, Florida
- Best VA Loans in Cape Coral, Florida
- Best VA Loans in Fort Lauderdale, Florida
560 Fico Score Home Loans
560 plus credit scores allow home buyers a few great options. The FHA offers amazing rates even with less than perfect credit. With a 560 credit score a down payment of 10 - 20% will be needed. The down payment can come as a gift. Another great option for lower credit scores is our VA Military home loan. Veteran’s can qualify with a 560 plus credit score.
Get Pre-Approved Now
(560 Credit Score Required)
FHA Loan Benefits
- Buy with 10 - 20% Down
- Gift funds excepted for down payment
- Easier Credit Qualifications
- Extremely Loan Rates for Home Buyers
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
500 Fico Score Home Loans
With 500 plus credit scores options are still available for home buyers. The Duck Key FHA program is still available for home buyers, understand you will need a larger down payment, usually 10 - 20% The down payment can come as a gift. Another great option for lower credit scores is our Duck Key VA Military home loan. Veteran’s can qualify with a 500 plus credit score. Keep in mind a 500 plus credit score is a higher risk for lenders, this means it will be underwritten manually by an underwriter.
Get Pre-Approved Now
(500 + Credit Score Required)
FHA Loan Benefits
- Buy with 10 - 20% Down
- Gift funds excepted for down payment
- Easier Credit Qualifications
- Extremely Low Rates for Home Buyers
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
Hundreds of 5 Star Reviews!
Duck Key is an island in Monroe County, Florida, United States, in the middle Florida Keys. It is part of the Duck Key, Florida census-designated place. The CDP also includes the neighboring island of Conch Key.
The key was the site of a salt manufacturing operation in the 1820s & 1830s. Occupation of the island ceased after the Labor Day Hurricane of 1935 and did not resume until the key was connected to the highway by a causeway in 1953. J.W. Norie, in his Piloting Directions for the Gulf of Florida, The Bahama Bank & Islands (1828) states: “Duck Key – Some two miles (3 km) long, low, rocky, & covered with mangroves; some small patches of good land with a little timber. This island formerly saltworks but they were transferred latterly to Key West, owned by Mr. Howe, who is also possessor of this Key.” Hawk’s Cay Resort is currently located here, and the island is sometimes known by that name.[1] Noted Michigan Senate leader, Emil Lockwood,[2] retired in Duck Key, where he served in many civic and political capacities until his death in 2002.[3]