St. Cloud

Home Loans

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St. Cloud Home Loans.

Whether you are a first time home buyer or trading up to a larger home in St. Cloud, we work to find the best home loan solution in st. cloud for you. Constantly surveying the hundreds of mortgage lenders as well as anonymously testing their staff, we are always aware of the conditions of the home loan market as well as the lenders involved in it.

Best Lender For St. Cloud Home Loans

Unfortunately, the subprime mortgage crisis has caused dramatic changes in the lending climate. Many lending institutions have suffered tremendous losses and as a result have tightened their lending standards drastically. Whereas it used to be very, very easy to meet the requirements in order to get approved, it is now much more difficult with most lenders. When searching for a mortgage lender in St. Cloud, it is important to find one that not only offers the lowest rates, but also has not tightened lending standards to the point that only a tiny percentage of applicants will qualify. At the top of our list right now is your local credit union. They have the lowest rates, a free and easy online application, and they have not been severely hurt by the subprime mortgage crisis.  They are still approving the majority of applications.

St. Cloud Florida Overview & Statistics

St. Cloud Overview

As of 2007, St. Cloud's population is 24,249 people. Since 2000, it has had a population growth of 20.80 percent.

The median home cost in St. Cloud is $252,700. Home appreciation the last year has been -5.69 percent.

Compared to the rest of the country, St. Cloud's cost of living is 6.00% Lower than the U.S. average.

St. Cloud public schools spend $5,117 per student. The average school expenditure in the U.S. is $6,058. There are about 22 students per teacher in St. Cloud.

The unemployment rate in St. Cloud is 3.50 percent(U.S. avg. is 4.60%). Recent job growth is Positive. St. Cloud jobs have Increased by 2.78 percent.

St. Cloud Climate

St. Cloud, FL, gets 50 inches of rain per year. The US average is 37. Snowfall is 0 inches. The average US city gets 25 inches of snow per year. The number of days with any measurable precipitation is 112.

On average, there are 232 sunny days per year in St. Cloud, FL. The July high is around 91 degrees. The January low is 49. Our comfort index, which is based on humidity during the hot months, is a 28 out of 100, where higher is more comfortable. The US average on the comfort index is 44.

St. Cloud Housing

The median home value in St. Cloud, FL, is $252,700. Home appreciation is -5.69% over the last year. The median age of St. Cloud, FL, real estate is 19 years.

St. Cloud, FL Apartments and Rentals

Renters make up 26.09% of the St. Cloud, FL, population. 9.84% of houses and apartments in St. Cloud, FL, are unoccupied (vacancy rate).

St. Cloud Crime

St. Cloud, FL, violent crime, on a scale from 1 (low crime) to 10, is 6. Violent crime is composed of four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. The US average is 3.

St. Cloud, FL, property crime, on a scale from 1 (low) to 10, is 6. Property crime includes the offenses of burglary, larceny-theft, motor vehicle theft, and arson. The object of the theft-type offenses is the taking of money or property, but there is no force or threat of force against the victims. The US average is 3.

For related resources see also:

St. Cloud Real Estate Agents

Florida First Time Home Buyers Grants

Florida First Time Home Buyer Programs

Florida Home Loan