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Ginnie Mae has estimated that roughly 9.7 percent of its portfolio – 1.066 million loans in total – are mortgages on homes in presidentially declared disaster areas in Florida. hike rates: Her four.

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And for harder-hit areas such as central Florida. loans above $417,000 and up to $625,500 in high-cost areas like New York — not only charge higher rates, they come with tougher underwriting.