778 Keuka Rd., Hawthorne, FL 32640 - $199,900 - Brand New 1,000 sq ft Site-built home and .99 acre wooded lot - Under Construction*
121 Palmland Ave, Satsuma, FL 32189 - $199,900 - Brand New 1,000 sq ft Site-built home - Under Construction*
38934 Merrell Avenue, Umatilla, FL 32784 - $299,900 - 1215 sq ft home with 306 sq ft garage - Under Construction*
1870 20th St, Orange City, FL 32763 - $299,900 - Brand new 1289 sq ft home plus 278 sq ft garage - Under Construction*
Credit score
Zero-down financing typically requires a middle credit score of 640. That means of the three credit scores (Equifax, Transunion and Experian) when you throw out the high and low scores, the one left is your middle score. That should be 640 or higher.
Front end ratio
Your monthly housing expense with principal, interest, taxes and insurance shuld not exceed 29% of your total monthly household income. Non-taxable income will increase the allowable monthly PITI payment.
Back end ratio
Your total monthly debts from your housing payment, car payments, credit cards and other installment loans should not exceed 41% of your total monthly household income.
USDA Eligible property
All of our homes are located in areas that are eligible for USDA loans.
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