Mortgage 1 day after Bankruptcy or Foreclosure
Bad Credit Florida Mortgage Lenders – Bad Credit Florida Home Loans— Read More »
Note Bad Credit Florida Mortgage Lenders Make Approvals based on payment history are not credit score driven!
Florida Mortgage After Bankruptcy Foreclosure Program Highlights
- Up To 70% Loan to Value
- Minimum 350 Credit Score Required!
- Full Doc Only-43% DTI
- 1 day after Bankruptcy, Foreclosure And Short Sales Are Ok
- Deferred Maintenance Is Acceptable On Purchases
- Up To 6% Seller Help Allowed
- Gift Funds Are Acceptable
- Reserves Change based case by case.
About No Tax Return Bad Credit Bankruptcy Foreclosure Mortgage Lenders
The Manual Underwriting of the Borrower section of the borrowers and overview of the requirements to determine a borrower’s ability to obtain bad credit single-family financing considering:– Creditworthiness;– Effective income; and
– Assets. Bad Credit mortgage lenders determine the Borrower’s creditworthiness:– Credit history; – Liabilities; and– Debts.
Fannie Mae Bankruptcy Foreclosure Waiting Times
| Derogatory Event | Waiting Period Requirements | Waiting Period with Extenuating Circumstances |
| Bankruptcy — Chapter 7 or 11 | 4 years | 2 years |
| Bankruptcy — Chapter 13 |
|
|
| Multiple Bankruptcy Filings | 5 years if more than one filing within the past 7 years | 3 years from the most recent discharge or dismissal date |
| Foreclosure
Deed-in-Lieu of Foreclosure, Preforeclosure Sale, or Charge-Off of Mortgage Account |
7 years
4 years |
3 yearsAdditional requirements after 3 years up to 7 years:
|
Florida mortgage after bankruptcy foreclosure Requirements for Re-establishing Credit
A Florida bankruptcy, foreclosure, deed-in-lieu of foreclosure, preforeclosure sale, or charge-off of a mortgage account, the borrower’s credit will be considered re-established if all of the following are met:
- The waiting period and the related additional requirements are met.
- The loan receives a recommendation from DU that is acceptable for delivery to Fannie Mae or, if manually underwritten, meets the minimum credit score requirements based on the parameters of the loan and the established eligibility requirements.
- The borrower has traditional credit as outlined in Section B3–5.3, Traditional Credit History. Nontraditional credit or “thin files” are not acceptable.
Bad Credit Bankruptcy Foreclosure Florida Mortgage Lenders
Bad Credit Mortgage Lenders Max Loan To Value:
•350-549 Max LTV 70% •550-579 Max LTV 75%
Income Documentation:
Full Doc – W-2’s & Paystub, 1040’s
Alt Doc – 12- or 24-month bank statements.
Occupancy:
• Owner Occupied & Second Home.
Property Types:
• Single Family Homes – Condos – Townhouses – 2 to 4 Units.
• Condotels – NO area restriction.
• Non-Warrantable condos.
Property Condition:
• Property must show “Pride of Ownership”.
Loan Terms:
• All loans are 30 years fully amortized products.
Loan Amounts:
• $100K Minimum to $5 million Maximum – Owner Occupied.
• Loan amounts over $1 million need managing underwriters’ approval.
• Loan Amounts greater than $2 million require 2 Appraisals.
Debt to Income (DTI):
• 55% max DTI with 24 months bank statements, traditional Full-Doc and LTVs up to 80%.
• 50% max DTI for other ATR tests, Interest Only and LTVs over 80%.
VOE Only Program – For NON-Self-Employed Borrowers Only:
• Verifiable VOE from Employer (not self-employed or self-prepared). The VOE must be fully filled out and must include all income and averages.
The VOE must be signed and dated by the employer with accurate contact info.
1099 Only Program: For Non-Self-Employed Independent Contractors
• 2 Years 1099’s
• Lender Must verbally verify accuracy of income on 1099’s
K-1’s Only Program:
• 2 Years K-1’s
• CPA, certified tax preparer or enrolled agent attesting that K-1’s are accurate & borrower self-employed for 2 years or more.
P&L’s Only Program – For Self-Employed Borrowers Only:
•Most recent 2 years full and Complete Profit and Loss Statement.
YTD Profit and Loss Statement
• Professionally Prepared P&L – Verifiable letter from licensed CPA, Certified Tax Preparer or Enrolled Agent attesting that they prepared the P&L statements.
• Borrower Prepared P&L – Borrower to sign and date the P&Ls and attest to the accuracy of the P&L’s via a handwritten, signed and dated
letter. And a verifiable letter from a licensed CPA, Certified Tax Preparer or Enrolled Agent attesting to the borrower’s prepared P&L’s are factual.
• Proof that the borrower has been self-employed for that business for 2 years.
Asset Depletion Program – For All Employment Retired/Unemployed:
• Qualifying income is based upon Total Assets Eligible for Depletion, less down payment, less out-of-pocket closing costs, less required reserves,
divided by 60. This amount will be used as the monthly income. Debt calculations will need to include all debts, not just housing debts.
Down Payments or Liquid Cash Reserves:
• All down payment funds MUST be sourced & seasoned in the last 60 days from 80.01-90% ltv.
• All down payment funds MUST be sourced & seasoned in the last 30 days up to 80% ltv.
• 100% Gift funds are acceptable up to 80% LTV – direct relative. $1M-$4M 50% can be gift.
Pre-Pay Note:
• No pre-payment penalty on ANY consumer products. Rate Buy Down – 1 point cost for every 33.3bps – Max 2 point buydown. Conditions Apply – All info is subject to change without notice and is NOT to be relied on.
PORTFOLIO- PRIVATE MORTGAGE LENDER APPROVALS!
- Purchase 1 day after bankruptcy, foreclosure, short sale, and deed in lieu of foreclosure up to 2.5 million. These are not subprime loans, but they do often have higher interest rates and higher closing costs.
- Portfolio mortgage lenders offer private mortgage loan approvals and are looking at other compensating factors to approve these loans. Examples include 12-month timely rental history, high credit scores, lower loan to value (larger down payments), and reserves (future mortgage payments in the account at closing).
A minimum 350 credit score For Florida Portfolio Mortgage Lenders Programs!!
BAD CREDIT FHA MORTGAGE AFTER BANKRUPTCY FORECLOSURE:
- The down payment is only 3.5% of the purchase price.
- Gifts from family or Bankruptcy or Foreclosure Grants for down payment assistance and closing costs are OK!
- Sellers can credit the buyer up to 6% of the sales price towards buyers’ costs and pre-paid.
- No reserves or future payments in the account are required.
- Bankruptcy or Foreclosure regulated closing costs.
- Read more about buying a home with a Bankruptcy or Foreclosure mortgage Bad Credit –No Credit – Investment –Second Home –Multi-Family –
BAD CREDIT MORTGAGE AFTER FORECLOSURE BANKRUPTCY:
- 12 months after a chapter 13 Bankruptcy Bankruptcy or Foreclosure mortgage Lender approvals!
- 24 months after a chapter 7 Bankruptcy Bankruptcy or Foreclosure mortgage Lender approvals!
- 3 years after a Foreclosure Bankruptcy or Foreclosure mortgage Lender approvals!
- No Credit Score Bankruptcy or Foreclosure mortgage Lender approvals!
- 580 required for 96.5% financing or 3.5% down payment Bankruptcy or Foreclosure mortgage Lender approvals.
- 500 required for 90% financing or 10% down payment Bankruptcy or Foreclosure mortgage Lender approvals.
- Bad Credit with a minimum 500 FICO credit score with 10% Down Payment Bankruptcy or Foreclosure. For Bankruptcy or Foreclosure mortgage applicants with credit scores between 500 and 579 must make down payments of at least 10% down!
- Read more about Bankruptcy or Foreclosure Qualifying Qualification Summary – Manual Underwrite – Collections-Judgement’s – Bankruptcy or Foreclosure – Compensating Factors –
JOB QUALIFYING WITH FORECLOSURE AND BANKRUPTCY
- Bankruptcy or Foreclosure allows higher debt ratios than any conventional mortgage loan program.
- Less than two years on the same job is OK!
- Self-employed buyers can also qualify with Bankruptcy or Foreclosure Mortgage Lenders.
- Read More about Gifts For Down Payment – Documents Checklist – Debt To Income – Student Loans –
Bankruptcy or Foreclosure- Bankruptcy or Foreclosure MORTGAGE AFTER BANKRUPTCY APPROVALS!
- Chapter 13 Bankruptcy- You may apply for a Bankruptcy or Foreclosure mortgage after your bankruptcy has been discharged for 12 Months or (1) year with a Chapter 13 Bankruptcy. You must have 0 x 30-day late payments, and permission from the chapter 13 trustee.
- Chapter 7 Bankruptcy- You may apply for a Bankruptcy or Foreclosure mortgage after your bankruptcy has been discharged for TWO (2) years with a Chapter 7 Bankruptcy. You may apply for a Bankruptcy or Foreclosure insured loan after your bankruptcy has been discharged for ONE (1) year with a Chapter 13 Bankruptcy
- Foreclosure – You may apply for a Bankruptcy or Foreclosure insured loan THREE (3) years after the Foreclosure sale/deed transfer date. You may have to search the county records office to locate the deed in order to count a full 3 years.
- Short Sale / Deed in Lieu – You may apply for a Bankruptcy or Foreclosure insured loan THREE (3) years after the sale date of your foreclosure. Bankruptcy or Foreclosure treats a short sale the same as a Foreclosure for now. You may have to search the county records office to locate the deed in order to count a full 3 years.
- Credit must be re-established no late payments in the past 12-24 months, depending on hardship
- Application Date must be after the above waiting period to be eligible for Bankruptcy or Foreclosure financing after hardship. You may have to search the county records office to locate the deed transfer out of your name in order to count a full 3 years.
Bankruptcy or Foreclosure Mortgage Lenders Require A minimum 580 credit score.
VA- MORTGAGE LENDERS APPROVALS!
- Chapter 13 Bankruptcy – Once you have finished making all payments satisfactorily, the mortgage lender may conclude that you have reestablished satisfactory credit.
- If you have made at least 12 months of timely payments and the Trustee or the Bankruptcy Judge approves of the new home purchase, the mortgage lender will approve financing after a chapter 13 bankruptcy.
- Chapter 7 Bankruptcy – You may apply for a VA mortgage loan TWO (2) years after a chapter 7 Bankruptcy.
- Foreclosure / Deed in Lieu – You may apply for a VA mortgage loan TWO (2) years after a foreclosure.
- Short Sale – VA does not recognize a short sale as a derogatory event, however, most mortgage lenders do. Most lenders will require a full 2 years after the deed was transferred out of your name and you re-establish credit.
- Credit must be re-established with a minimum 550 credit score
- Application Date must be after the above waiting period to be eligible for VA mortgage after hardship.
VA Mortgage Lenders Require A minimum 550 credit score.
USDA- MORTGAGE APPROVALS!
- Foreclosure – You may apply for a USDA rural loan THREE (3) years after a Foreclosure.
- Bankruptcy – You may apply for a USDA rural loan THREE (3) years after the discharge of Chapter 7 or 13 Bankruptcy.
- Short Sale / Deed in Lieu of Foreclosure – mortgage lenders require 3 years after a foreclosure.
USDA Lenders Require A minimum 550 credit score.
CONVENTIONAL– MORTGAGE APPROVALS!
- Foreclosure – You may apply for a Conventional mortgage, Fannie Mae loan (7) SEVEN years after the sale date of your foreclosure.
- Bankruptcy – You may apply for a Conventional, Fannie Mae loan after your Chapter 7 bankruptcy has been discharged for FOUR (4) years, TWO (2) years from the discharge of Chapter 13
- Short Sale / Deed in Lieu of Foreclosure –Waiting period for foreclosure that was included in Bankruptcy If the mortgage is included in Bankruptcy, the waiting period defaults to FOUR (4) from the discharge date. Florida Short Sale or Deed in Lieu of Foreclosure not included in a Bankruptcy has a new Waiting Period of FOUR (4) years from the date your name is removed from the title. This replaces the ability to buy in 24 months with 20% down payment and a minimum 680 credit score.
Bad Credit Florida No Tax Return Mortgage Lenders
Bad Credit Florida No Tax Return Mortgage Lenders About No Tax Return Bad Credit Mortgage Lenders Bad credit Florida Bank statement mortgage lenders were Read More »
Florida Bad Credit Mortgage Lenders Coverage Areas
Jacksonville
Miami
Tampa
Orlando
St. Petersburg
Port St. Lucie
Tallahassee
Cape Coral
Fort Lauderdale
Pembroke Pines
Hollywood
Miramar
Gainesville
Coral Springs
Lehigh Acres
Clearwater
Brandon
Palm Bay
Spring Hill
Pompano Beach
West Palm Beach
Miami Gardens
Lakeland
Davie
Boca Raton
Jacksonville FL
Miami FL
Riverview
Sunrise
Plantation
Deltona
Alafaya
Town ‘n’ Country
Miami Beach
Palm Coast
Largo
Fort Myers
Melbourne
The Villages
Pine Hills
Deerfield Beach
Boynton Beach
Kendall
Kissimmee
Lauderhill
Weston
Homestead
Delray Beach
North Port
Daytona Beach
Poinciana
Tamarac
Jupiter
Wellington
Port Charlotte
Port Orange
The Hammocks
North Miami
Doral
Palm Harbor
Coconut Creek
Wesley Chapel
Sanford
Ocala
Fountainebleau
Margate
Sarasota
Bonita Springs
Bradenton
Palm Beach Gardens
Tamiami
Kendale Lakes
Westchester
Pinellas Park
St. Cloud
Pensacola
Apopka
Country Club
Coral Gables
University CDP
Ocoee
Titusville
Horizon West
Four Corners
Fort Pierce
Oakland Park
Winter Garden
North Lauderdale
Altamonte Springs
Cutler Bay
Ormond Beach
Winter Haven
North Miami Beach
North Fort Myers
Greenacres
Oviedo
Valrico
The Acreage
Hallandale Beach
Royal Palm Beach
Plant City
Meadow Woods
Land O’ Lakes
Lake Worth Beach
Kendall West
Egypt Lake-Leto
Navarre
Aventura
Richmond West
Winter Springs
Clermont
University
Dunedin
Lauderdale Lakes
Panama City
Cooper City
South Miami Heights
Princeton
Carrollwood
Buenaventura Lakes
Riviera Beach
Merritt Island
Golden Glades
DeLand
Estero
Fruit Cove
Parkland
East Lake
West Little River
Lake Magdalene
Dania Beach
Ferry Pass
Lakeside
Miami Lakes
Winter Park
Fleming Island
Golden Gate
East Lake-Orient Park
Vero Beach South
Casselberry
Oakleaf Plantation
Immokalee
Rockledge
Citrus Park
New Smyrna Beach
Temple Terrace
Leisure City
Bayonet Point
Lakewood Ranch
Sun City Center
Ruskin
Sebastian
Coral Terrace
Tarpon Springs
Keystone
Haines City
Palm Springs
Bloomingdale
Palm City
Silver Springs Shores
South Bradenton
Ives Estates
Crestview
Wright
Northdale
Palm River-Clair Mel
Key West
Palmetto Bay
Wekiwa Springs
Port St. John
Edgewater
Oak Ridge
Venice
Jacksonville Beach
Fish Hawk
Hialeah Gardens
Apollo Beach
West Melbourne
Westchase
Leesburg
The Crossings
Lutz
Jasmine Estates
West Pensacola
Fort Walton Beach
Pace
Sunny Isles Beach
Brent
Naples
Lealman
Ensley
Bellview
Florida Ridge
DeBary
Eustis
Holiday
Liberty Triangle
Lynn Haven
Sweetwater
Palm Valley
Bayshore Gardens
Cocoa
Punta Gorda
Hunters Creek
Belle Glade
Bartow
Englewood
Midway CDP
Bradfordville
Pinecrest
Marion Oaks
World Golf Village
Seminole
Country Walk
San Carlos Park
Upper Grand Lagoon
Gibsonton
Marco Island
Safety Harbor
Maitland
Lake Butler CDP
Glenvar Heights
Brownsville
Tavares
Vero Beach
Myrtle Grove
Pinewood
Lake Mary
Ojus
Nocatee
South Venice
New Port Richey
Lake Wales
Palmetto Estates
Stuart
Southchase
Auburndale
Zephyrhills
Opa-locka
Warrington
Lady Lake
Niceville
Longwood
Azalea Park
Three Lakes
Bellair-Meadowbrook Terrace
Groveland
St. Augustine
West Park
Lockhart
Sunset
Oldsmar
Hobe Sound
Callaway
Homosassa Springs
Thonotosassa
Destin
Villas
East Milton
West Lealman
Olympia Heights
Gonzalez
Lakewood Park
Viera West
Mount Dora
Fruitville
Miami Springs
Atlantic Beach
Palmer Ranch
Palmetto
Jensen Beach and Forest City
Iona
Gladeview
Yulee
Conway
South Daytona
North Palm Beach
Sarasota Springs
Jupiter Farms
Elfers
Key Biscayne
Cypress Lake
Trinity
Panama City Beach
Fernandina Beach
Wilton Manors
Middleburg
Goldenrod
Gulfport
Viera East
Naranja
Holly Hill
Orange City
Minneola
Lake City
Laurel
Shady Hills
Port Salerno
Cheval
Fuller Heights
South Miami and Lantana
Westview
Florida City
Cocoa Beach
Mango
Lakeland Highlands
Pine Castle
Highland City
Medulla
Pasadena Hills
Hudson
Lighthouse Point
Goulds
Pebble Creek
Westwood Lakes
Celebration
Doctor Phillips
Satellite Beach
On Top of the World
Asbury Lake
Union Park
Memphis
New Port Richey East
Gateway
Avon Park
West Vero Corridor
Sebring
Sugarmill Woods
Cape Canaveral
Palatka
Progress Village
Miami Shores
Fairview Shores
Bee Ridge
Milton
Rotonda
Bithlo
Cypress Gardens
Westgate
Wimauma
Alachua
St. Augustine Shores
Key Largo
West Perrine
Bardmoor
Richmond Heights
St. Pete Beach
Pine Ridge CDP
Beverly Hills
Fruitland Park
Citrus Springs
Springfield
Micco
Hernando
Southeast Arcadia
Miramar Beach
Palm Beach
Orange Park
Marathon
Fern Park
Lake Park
Gulf Gate
Indian Harbour Beach
Brooksville
North Merritt Island
Green Cove Springs
Seffner
Arcadia
Broadview Park
West Miami
North Bay Village
Southwest Ranches
Clewiston
McGregor
Odessa
Citrus Hills
Wedgefield
North Weeki Wachee
Williamsburg
Lake Lorraine
Orlovista
Inverness
Sanibel
Wildwood
Longboat Key
Dade City
Quincy
South Apopka
Lecanto
Neptune Beach
Sky Lake
Fort Pierce North
Inwood
West Samoset
Willow Oak
Mims
Belle Isle and River Park
Indiantown
South Patrick Shores
Inverness Highlands South
Fort Myers Beach
Beacon Square
St. Augustine Beach
Ormond-by-the-Sea
Vero Lake Estates
Live Oak
Treasure Island
Heathrow
Perry
Loughman
Fort Myers Shores
Macclenny
Gulf Breeze
Pembroke Park
Lauderdale-by-the-Sea
DeFuniak Springs
South Bay
Southgate
Marianna
Lely Resort
Indian River Estates
Kathleen
Naples Manor
Islamorada, Village of Islands
Pahokee
Pelican Bay
Osprey
Crystal Lake
Jan Phyl Village
Combee Settlement
Fort Meade
Naples Park
Tequesta
South Gate Ridge
Newberry
Mascotte
Lake Alfred
Ocean City
Cocoa West
High Springs
South Highpoint
Bay Harbor Islands
Ellenton
Palm Springs North
Fellsmere
Valparaiso
Surfside
Rio Pinar
Siesta Key
Okeechobee
Whiskey Creek
Davenport
Starke
Zephyrhills West
Tice
Three Oaks and River Ridge
Warm Mineral Springs
Zephyrhills South
The Meadows
Port LaBelle
LaBelle
Floral City
Pensacola Station
Kenneth City
South Brooksville
White City
South Pasadena
Cortez
Timber Pines
Flagler Beach
Belleview
Hutchinson Island South
Samsula-Spruce Creek
Lochmoor Waterway Estates
St. Augustine South
South Sarasota
June Park
Brookridge
Connerton
Plantation
Ridge Wood Heights
Big Pine Key
Pea Ridge
Bay Hill
Butler Beach
Mount Plymouth
Wauchula
Nassau Village-Ratliff
Fussels Corner
Suncoast Estates
Dundee
Samoset
Lower Grand Lagoon
Rainbow Springs and Stock Island
Clarcona
Charlotte Harbor
Pine Manor
Ridge Manor
Daytona Beach Shores
Gifford
Fort Pierce South
Parker
Whitfield CDP
Mary Esther
Taylor Creek
Madeira Beach
Holmes Beach
Laguna Beach
Indian Rocks Beach and Buckingham
Indian River Shores
Grant-Valkaria
Moon Lake
Orangetree
Belleair
Jasper
Lake Sarasota
Mulberry
Crawfordville
Ave Maria
Sawgrass
Nokomis
Woodville
San Castle
Lake Panasoffkee
Tierra Verde
Wahneta
Balm
High Point
Highland Beach
Goulding
North River Shores
Ridgecrest
Harbour Heights
Umatilla
Alturas
West Bradenton
Watergate
Bagdad
Zephyrhills North
Lake Clarke Shores
Juno Beach
Chipley
Rainbow Lakes Estates
Loxahatchee Groves
Lely
Tiger Point
Montura
St. James City
Holden Heights
Port St. Joe
Cedar Grove
Windermere
Kensington Park
Venice Gardens
Feather Sound
Ocala Estates
Vineyards
Winter Beach
Silver Springs
Flagler Estates
South Beach
Woodlawn Beach
Blountstown
Ponce Inlet
West DeLand
Melbourne Beach
North Brooksville
Frostproof
Hilliard
Bushnell
Geneva
Crystal River
Midway city and Hill ‘n Dale
Chattahoochee
Malabar
Harbor Bluffs
Dover
Biscayne Park
Grenelefe
Point Baker
Oakland
Alva
De Leon Springs
Bal Harbour
Edgewood
Seminole Manor
Tangerine
Bowling Green
Pretty Bayou
Port Richey
Tangelo Park
Indialantic
Zellwood
Bunnell
Meadow Oaks
Island Walk
Hypoluxo
Quail Ridge
Madison
Lake Helen
Olga
Greenbriar
Eagle Lake
Bay Pines
Sharpes
Inverness Highlands North
Williston
Harlem
Bonifay
Cleveland
Carrabelle
Vamo
Cabana Colony
Big Coppitt Key
Wallace
Verona Walk
Cross City
Apalachicola
Dade City North
Eastpoint
Florida Gulf Coast University
Hernando Beach
Pine Air
Hurlburt Field
Berkshire Lakes
Vilano Beach
Eglin AFB
Freeport
Haverhill
Lake Mack-Forest Hills
Williston Highlands
Polk City
Eatonville
Watertown
Dunnellon
Virginia Gardens
Chiefland
Belleair Bluffs
Lake Placid
Moore Haven
North Sarasota
Astatula
Campbell
Monticello
Pelican Marsh
Pine Island Center
Mangonia Park
Silver Lake
Holley
Havana
Graceville
Cudjoe Key
Zolfo Springs
Sewall’s Point
Burnt Store Marina
Sneads
Redington Shores
Bear Creek
Manatee Road
Malone
Lake Belvedere Estates
Tyndall AFB
Roosevelt Gardens
El Portal
Tropical Park
Trenton
Oak Hill
Washington Park
Gotha
Fort Denaud
Grove City
Century
Tavernier
Hillsboro Beach
Chuluota
Lake Mary Jane and Montverde
Desoto Lakes
Atlantis
Charlotte Park
Wabasso Beach
South Palm Beach
Lake Kerr
Interlachen
Howey-in-the-Hills
Homosassa
Heritage Pines
Pine Ridge
Inglis
Wewahitchka
Crescent City and Limestone Creek
Lacoochee
Oriole Beach
Key Vista
Plantation Mobile Home Park
Boulevard Gardens
Patrick AFB and Ocean Ridge
East Palatka
Palm Shores
Royal Palm Estates
Christmas
Manasota Key
Crooked Lake Park
Navarre Beach
Taft
Punta Rassa
Baldwin
Roseland
Franklin Park
Yalaha
Bokeelia
Mayo
Lake Hamilton
Rainbow Park
Cypress Quarters
Ocklawaha
Hawthorne
Lake Butler
Pierson
Keystone Heights
Old Miakka
East Bronson
Belleair Beach
Buckhead Ridge
Babson Park
Glencoe
Midway
Callahan
DeLand Southwest
Mexico Beach
Molino
Harlem Heights
Greenville
Solana
Hastings
Paisley
Verandah
St. Leo
Five Points
Heritage Bay
North Redington Beach
Astor
Redington Beach
Indian Shores
Juno Ridge
Fanning Springs
Pomona Park
San Antonio
Gretna
Kenwood Estates
Desoto Acres and Weeki Wachee Gardens
Palm Beach Shores
Chokoloskee
Webster
Pine Lakes
North DeLand
Black Diamond
Archer
Bronson
Gun Club Estates
Anna Maria
Crescent Beach
Black Hammock
Harold
Bristol
Lawtey
Medley
Silver Springs Shores East
Masaryktown
Center Hill
Garden Grove
St. George Island
White Springs
Chumuckla
Welaka
Andrews
Waldo
Coleman
Seville
Bradenton Beach
Raleigh
Gulf Stream
North Key Largo
Westlake
Crystal Springs
Scottsmoor
Branford
Jupiter Island
Fort Braden
Matlacha
Cedar Key
Shalimar
Melbourne Village
Cottondale
Grand Ridge
Wiscon
Allentown
Jennings
St. Lucie Village
Duck Key
Palmona Park
Panacea
Briny Breezes
Lake Kathryn
Waverly
Homestead Base
Marco Shores-Hammock Bay
Rio
Bradley Junction and Fort White
Greensboro
Wabasso
Ponce de Leon
Indian Lake Estates
Cinco Bayou
Glen St. Mary
Roeville
Paxton
Ona
Penney Farms
Acacia Villas
Vernon
Hosford
Hillsboro Pines
Whitfield
Page Park
Stacey Street
Greenwood
Lake Mystic
Pinecraft
Avalon
Schall Circle
Golden Beach
Laurel Hill
Yankeetown
Bell and Lee
Alford
Beverly Beach
Steinhatchee
Paradise Heights
Fort Green Springs
Key Colony Beach
Hampton
Jay
Sea Ranch Lakes
Ferndale
Reddick
Spring Lake
Garcon Point
Micanopy
Lemon Grove
Sopchoppy
Altha
Orchid
Lisbon
Canal Point
Jupiter Inlet Colony
East Williston
Chaires
Winding Cypress
Cloud Lake
Wausau
Lake Hart
Windsor and Pioneer
Brownsdale
Gardner
Fisher Island
Wacissa
La Crosse
St. Marks
McIntosh and Matlacha Isles-Matlacha Shores
Westville
Manalapan
Limestone
Brooker
Floridatown
Hillcrest Heights
Miccosukee
Esto
Capitola
Spring Ridge
Worthington Springs and Munson
Trilby
Noma
Ocean Breeze
Golf
Waukeenah
Pineland
Jacob City
Caryville
Pittman
Yeehaw Junction
Homeland
Everglades
Ebro
Raiford
Goodland
Campbellton
Glen Ridge and Highland Park
Nobleton
Fort Green
Berrydale
Fidelis
Captiva
Aucilla
Charleston Park
Morriston
Day
Aripeka
Okahumpka
Sorrento
Mount Carmel
Otter Creek
West Canaveral Groves
Pine Level
Lloyd
Mulat
Sumatra
Layton
Bascom
Belleair Shore
Springhill
Horseshoe Beach
Altoona
Dickerson City
Istachatta
Lake Harbor
Pine Island
Cobbtown
Tildenville and Bay Lake
Indian Creek and Dixonville
Lamont
Lazy Lake
Plantation Island
Marineland
Lake Buena Vista
Weeki Wachee
A
Acacia Village
Alafaya
Allentown
Altoona
Alturas
Alva
Andrews
Apollo Beach
Aripeka
Asbury Lake
Astor
Aucilla
Avalon
Azalea Park
B
Babson Park
Bagdad
Balm
Bardmoor
Bay Hill
Bayonet Point
Bay Pines
Bayport
Bayshore Gardens
Beacon Square
Bear Creek
Bee Ridge
Bellair-Meadowbrook Terrace
Bellview
Berrydale
Beverly Hills
Big Coppitt Key
Big Pine Key
Bithlo
Black Diamond
Black Hammock
Bloomingdale
Bokeelia
Boulevard Gardens
Bradley Junction
Brandon
Brent
Brewster
Broadview Park
Brookridge
Brownsdale
Brownsville
Buckhead Ridge
Buckingham
Buenaventura Lakes
Burnt Store Marina
Butler Beach
C
Cabana Colony
Campbell
Canal Point
Captiva
Carrollwood
Cedar Grove
Celebration
Charleston Park
Charlotte Harbor
Charlotte Park
Cheval
Chokoloskee
Christmas
Chuluota
Chumuckla
Citrus Hills
Citrus Park
Citrus Springs
Clarcona
Cleveland
Cobbtown
Cocoa West
Combee Settlement
Connerton
Conway
Coral Terrace
Cortez
Country Club
Country Walk
Crawfordville
Crescent Beach
Crooked Lake Park
Crystal Lake
Crystal Springs
Cudjoe Key
Cypress Gardens
Cypress Lake
Cypress Quarters
D
Dade City North
Day
DeLand Southwest
De Leon Springs
Desoto Lakes
Dickerson City
Dixonville
Doctor Phillips
Dover
Duck Key
E
East Bronson
East Lake
East Lake-Orient Park
East Milton
East Palatka
East Williston
Eastpoint
Eglin AFB
Egypt Lake-Leto
Elfers
Ellenton
Englewood
Ensley
F
Fairview Shores
Feather Sound
Ferndale
Fern Park
Ferry Pass
Fidelis
Fisher Island
Fish Hawk
Five Points
Flagler Estates
Fleming Island
Floral City
Florida Ridge
Floridatown
Forest City
Fort Denaud
Fort Green
Fort Green Springs
Fort Myers Shores
Fort Pierce North
Fort Pierce South
Fontainebleau
Four Corners
Franklin Park
Fruit Cove
Fruitville
Fuller Heights
Fussels Corner
G
Garcon Point
Garden Grove
Gardner
Gateway
Geneva
Gibsonton
Gifford
Gladeview
Glencoe
Glenvar Heights
Golden Gate
Golden Glades
Goldenrod
Gonzalez
Goodland
Gotha
Goulding
Goulds
Greenbriar
Grenelefe
Grove City
Gulf Gate Estates
Gun Club Estates
H
Harbor Bluffs
Harbour Heights
Harlem
Harlem Heights
Harold
Heathrow
Heritage Pines
Hernando
Hernando Beach
Highland City
High Point
Hill ‘n Dale
Hillsboro Pines
Hobe Sound
Holden Heights
Holiday
Holley
Homeland
Homestead Base
Homosassa
Homosassa Springs
Horizon West
Hosford
Hudson
Hunters Creek
Hutchinson Island South
I
Immokalee
Indian River Estates
Indiantown
Inverness Highlands North
Inverness Highlands South
Inwood
Iona
Island Walk
Istachatta
Ives Estates
J
Jan Phyl Village
Jasmine Estates
Jensen Beach
June Park
Juno Ridge
Jupiter Farms
K
Kathleen
Kendale Lakes
Kendall
Kendall West
Kensington Park
Kenwood Estates
Key Largo
Keystone
Key Vista
L
Lacoochee
Laguna Beach
Lake Belvedere Estates
Lake Butler
Lake Harbor
Lake Hart
Lake Kathryn
Lakeland Highlands
Lake Lindsey
Lake Lorraine
Lake Mack-Forest Hills
Lake Magdalene
Lake Mary Jane
Lake Mystic
Lake Panasoffkee
Lake Sarasota
Lakeside
Lakewood Park
Lamont
Land o’ Lakes
Laurel
Lealman
Lecanto
Lehigh Acres
Leisure City
Lely
Lely Resort
Lemon Grove
Limestone
Limestone Creek
Lisbon
Lloyd
Lochmoor Waterway Estates
Lockhart
Loughman
Lower Grand Lagoon
Lutz
M
Manasota Key
Manatee Road
Mango
Masaryktown
Matlacha
Matlacha Isles-Matlacha Shores
McGregor
Meadow Oaks
Meadow Woods
Medulla
Memphis
Merritt Island
Micco
Middleburg
Midway, Santa Rosa County
Midway, Seminole County
Mims
Miramar Beach
Molino
Montura
Moon Lake
Morriston
Mount Carmel
Mount Plymouth
Mulat
Munson
Myrtle Grove
N
Naples Manor
Naples Park
Naranja
Nassau Village-Ratliff
Navarre
Navarre Beach
New Port Richey East
Nobleton
Nocatee
Nokomis
North Brooksville
North DeLand
North Fort Myers
North Key Largo
North River Shores
North Sarasota
North Weeki Wachee
Northdale
O
Oakleaf Plantation
Oak Ridge
Ocean City
Odessa
Ojus
Okahumpka
Olga
Olympia Heights
Ona
Orangetree
Oriole Beach
Orlovista
Ormond-by-the-Sea
Osprey
P
Pace
Page Park
Paisley
Palm City
Palm Harbor
Palm River-Clair Mel
Palm Springs North
Palm Valley
Palmetto Estates
Palmona Park
Panacea
Paradise Heights
Pasadena Hills
Patrick SFB
Pea Ridge
Pebble Creek
Pelican Bay
Pine Air
Pine Castle
Pine Hills
Pine Island
Pine Island Center
Pine Lakes
Pine Level
Pine Manor
Pine Ridge, Citrus County
Pine Ridge, Collier County
Pineland
Pinewood
Pioneer
Pittman
Plantation
Plantation Island
Plantation Mobile Home Park
Poinciana
Point Baker
Port Charlotte
Port LaBelle
Port St. John
Port Salerno
Pretty Bayou
Princeton
Progress Village
Punta Rassa
Q
Quail Ridge
R
Raleigh
Richmond Heights
Richmond West
Ridge Manor
Ridge Wood Heights
Ridgecrest
Rio
Rio Pinar
River Park
River Ridge
Riverview
Roeville
Roosevelt Gardens
Roseland
Rotonda
Royal Palm Estates
Ruskin
S
Samoset
Samsula-Spruce Creek
San Carlos Park
San Castle
Sarasota Springs
Sawgrass
Schall Circle
Seffner
Seminole Manor
Seville
Shady Hills
Sharpes
Siesta Key
Silver Lake
Silver Springs Shores
Sky Lake
Solana
Sorrento
South Apopka
South Beach
South Bradenton
South Brooksville
South Gate Ridge
South Highpoint
South Miami Heights
South Patrick Shores
South Sarasota
South Venice
Southchase
Southeast Arcadia
Southgate
Spring Hill
Spring Lake
Spring Ridge
Springhill
St. Augustine Shores
St. Augustine South
St. James City
Stacey Street
Steinhatchee
Stock Island
Sugarmill Woods
Sumatra
Sun City Center
Suncoast Estates
Sunset
T
Taft
Tamiami
Tangelo Park
Tangerine
Tavernier
Taylor Creek
The Acreage
The Crossings
The Hammocks
The Meadows
The Villages
Thonotosassa
Three Lakes
Three Oaks
Tice
Tierra Verde
Tiger Point
Tildenville
Timber Pines
Town ‘n’ Country
Trilby
Trinity
Tyndall AFB
U
Union Park
University, Hillsborough County
University, Orange County
University Park
Upper Grand Lagoon
V
Valrico
Vamo
Venice Gardens
Vero Beach South
Verona Walk
Viera East
Viera West
Villano Beach
Villas
Vineyards
W
Wabasso
Wabasso Beach
Wacissa
Wahneta
Wallace
Warm Mineral Springs
Warrington
Washington Park
Watergate
Watertown
Waukeenah
Waverly
Wedgefield
Weeki Wachee Gardens
Wekiwa Springs
Wesley Chapel
West Bradenton
West DeLand
West Lealman
West Little River
West Pensacola
West Perrine
West Samoset
West Vero Corridor
Westchase
Westchester
Westgate
Westview
Westwood Lakes
Whiskey Creek
White City
Whitfield, Manatee County
Whitfield, Santa Rosa County
Williamsburg
Williston Highlands
Willow Oak
Wimauma
Windsor
Winter Beach
Wiscon
Woodlawn Beach
Woodville
World Golf Village
Wright
Y
Yalaha
Yeehaw Junction
Yulee
Z
Zellwood
Zephyrhills North
Zephyrhills South
Zephyrhills West
