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With a Ocean Ridge, FL FHA Loan Expert

Finding clients lower rates and closing costs

BBB A complaint free awards, 5 Star Rated Since 1997

Google 5 Star Company

“simplest refinance experience ever”

BBB A+ Rating

“I’m paying less now than I was to rent”

Yelp 5 Star Company

“made the process very straightforward and painless.”

Ocean Ridge, FL FHA Specialists

The Ocean Ridge FHA home loan is a great choice for borrowers looking to buy a home with little money down.  When home buyers choose FHA it allows for easier credit score qualification.  In most cases you can qualify with 580 credit scores.  FHA is even offering options for credit scores under 580, larger down payments are required in most cases.  FHA does offer grants for down payments. Find out if you are FHA Grant  eligible by calling (888)208-9797. FHA home loan experts are standing by near Ocean Ridge, FL  and ready to help.  Connect with a licensed Ocean Ridge FHA specialist, ask questions, check credit, and get free quotes.

Call Now (888)208-9797

Finding the Perfect Ocean Ridge Home Loan

Hundreds of consumers across Ocean Ridge, Florida are ready for home ownership.  Securing the right home loan doesn’t have to be hard, we have solutions for less than perfect credit and even those with little savings or down payment. To help Ocean Ridge home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates.  We simplify the home buying and refinancing challenges presented by 2023 mortgage guidelines. At Smart Mortgage, our mission is to get you approved for a Ocean Ridge FHA mortgage and into your home with payments you can afford. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:

  • Review your finances to find a payment you can afford.
  • Improve your credit score if needed to qualify.
  • Obtain pre-approval to shop for a Ocean Ridge, FL FHA Eligible Home.
  • Secure a loan and purchase your new home!

Working around credit issues with Top Rated Specialists

The Ocean Ridge FHA Mortgage team is celebrating its 26th year in business.  Our experience allows for consumer mortgage confidence especially with first time home buyers in Ocean Ridge, FL.  We navigate consumers through the mortgage process,  explain options and find what choice works best for you. We specialize in every Ocean Ridge FHA mortgage program available.  Check out consumer refinance options, homebuyer grants and our FHA 203k Rehab options.

Buy a Home or Refinance – Face to Face or Apply Online

Walk ins Welcome

Google 5.0 Rating

“Ryan and his crew are awesome! We contacted Smart Mortgage just to see if we would qualify in the near future to purchase our first home. We ended up qualifying immediately. We were definitely a handful, but Ryan got us through the process and into our home. We are forever grateful. No more moving our kiddos around. They love their new home just as much as we do. Thank you again Ryan”! Samantha Godwin – Pace, FL

BBB A+ Accredited

“As first time home buyers, we needed someone who could break down the mortgage vocabulary into everyday language for us to understand and make the right choices. Brian was definitely the perfect loan officer. He is very knowledgeable, explained in detail every step and answered all our questions promptly. We are more than satisfied with our mortgage, Brian’s customer service and Smart Mortgage Centers. We recommend Brian to everyone especially first time home buyers”! Michael O – Romeoville, IL

Yelp 5.0 Rating

“Tony McDougall worked his tail end off with all the hiccups that we had he was very cool and collective and made sure he got the job done as fast as he could! Tony gave superior work during the process of buying our home. He also made sure he answered his phone every time we called. We really enjoyed working with him and he will be highly recommended in my eyes for anyone”!! Sabrina England – Seminole, FL

Speak with a Ocean Ridge, FL FHA Home Loan Specialist Today

1-888-208-9797

To Better Serve You our Ocean Ridge, FL FHA Mortgage Team is Available 24/7

A FHA approved lender; Not endorsed or sponsored by the Federal Housing Authority or any government agency.

A mid-ocean ridge (MOR) is a seafloor mountain system formed by plate tectonics. It typically has a depth of ~ 2,600 meters (8,500 ft) and rises about two kilometers above the deepest portion of an ocean basin. This feature is where seafloor spreading takes place along a divergent plate boundary. The rate of seafloor spreading determines the morphology of the crest of the mid-ocean ridge and its width in an ocean basin. The production of new seafloor and oceanic lithosphere results from mantle upwelling in response to plate separation. The melt rises as magma at the linear weakness between the separating plates, and emerges as lava, creating new oceanic crust and lithosphere upon cooling. The first discovered mid-ocean ridge was the Mid-Atlantic Ridge, which is a spreading center that bisects the North and South Atlantic basins; hence the origin of the name ‘mid-ocean ridge’. Most oceanic spreading centers are not in the middle of their hosting ocean basis but regardless, are traditionally called mid-ocean ridges. Mid-ocean ridges around the globe are linked by plate tectonic boundaries and the trace of the ridges across the ocean floor appears similar to the seam of a baseball. The mid-ocean ridge system thus is the longest mountain range on Earth, reaching about 65,000 km (40,000 mi).

The mid-ocean ridges of the world are connected and form the Ocean Ridge, a single global mid-oceanic ridge system that is part of every ocean, making it the longest mountain range in the world. The continuous mountain range is 65,000 km (40,400 mi) long (several times longer than the Andes, the longest continental mountain range), and the total length of the oceanic ridge system is 80,000 km (49,700 mi) long.[1]