Purchase your new home with confidence with FHA home loans in Florida. The FHA loan program is designed for qualified low-to-moderate-income borrowers seeking affordable and flexible home financing options. If you’re eligible, you can take advantage of things like lower credit scores and down payment requirements, plus lower interest rates compared to conventional loans. Find out more below, and contact The Doce Mortgage Group for a free FHA loan quote.
FHA loans allow down payments as low as 0%, making homeownership accessible even with smaller savings.
Qualify with less-than-perfect credit, with minimum FICO score requirements as low as 550.
FHA loans are government-backed, giving them more reliability and security and ensuring competitive interest rates and terms.
You don’t have to be a first-time buyer in order to qualify for an FHA loan, however the program is particularly well-suited to new home investors.
FHA loan limits change annually and vary by state, and are higher for counties with a high cost of living. Here in Florida, the most recent data shows the following loan limits for FHA borrowers in standard cost-of-living counties:
These limits are quite a bit higher in some Florida counties. For example, in Monroe County, the loan limit for a single-family home goes as high as $967,150.
FHA home loans in Florida offer a more accessible route to homeownership, especially for first-time buyers and those with limited savings or less-than-ideal credit scores. With down payment requirements as low as 0% and more lenient credit requirements compared to conventional loans, taking out an FHA loan in West Palm Beach or elsewhere can be a smart decision with short- and long-term financial benefits for buyers. Just make sure to get additional loan quotes in addition to an FHA mortgage quote so you know you’re getting the absolute best deal.
FHA loans are backed by the Federal Housing Administration, meaning it’s the government that takes on the risk, not the lender. This provides extra security for home buyers and allows for more favorable loan terms, including lower interest rates. Because of this, FHA home loans in Florida tend to be an excellent option for those looking to buy their first home or who need a little extra support in meeting the financial requirements of purchasing a property.
The Doce Mortgage Group, an experienced Florida FHA mortgage broker, is here to guide you through the process of getting a home loan, ensuring you find a loan solution that fits your unique situation. We understand the local market dynamics and are dedicated to making your home buying journey in Florida a smooth and successful one. Contact us today to explore the diverse FHA home loans in Florida available for your specific needs.
Whether you’re looking to buy new construction or a fixer-upper, an FHA loan in Fort Lauderdale, Miami, Palm Beach or anywhere else you’re looking to call home could be the way to do it. The Doce Mortgage Group is here to guide you through the process, ensuring you find a loan solution that fits your unique situation. For a bit more on the specifics, check out our quick FAQ below on the FHA loan program for Florida home buyers.
An FHA loan is a mortgage loan insured by the Federal Housing Administration. This loan option is designed to make affordable housing more accessible to lower-income and first-time home buyers.
Borrowers with a credit score of 550 or higher, and who meet certain income and employment criteria. Please schedule a consultation or submit a contact form to learn more about FHA loan requirements in Florida.
The best way to find out if you qualify for an FHA loan and then apply for one is to consult with a trusted, reputable FHA mortgage broker who understands the process. At The Doce Mortgage Group, we are highly experienced with the FHA loan process and connecting borrowers with the funds they need for a new home, and can work with you one-on-one to make sure you get the right type of mortgage for your needs.
FHA loans are available for 1-4 unit primary residences, including condominiums. The property must meet certain safety and livability standards.
Yes, FHA Loan limits vary by county and property type. We cover those above, and you can find out more by visiting the U.S. Department of Housing and Urban Development’s FHA Mortgage Limits page.
FHA disclaimer: The Doce Mortgage Group is not affiliated with or acting on behalf of or at the direction of FHA or the Federal Government.
FHA disclaimer: The Doce Group is not affiliated with or acting on behalf of or at the direction of FHA or the Federal Government.
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Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Loan approval and terms are dependent upon borrower’s credit, documented ability to repay, acceptability of collateral property, and underwriting criteria.
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