佛罗里达州的 FHA 贷款如何运作

FHA 贷款 是佛罗里达州购房者的绝佳计划。该计划有几大优势。

• 首付仅为房屋价值的 3.5%
• 具有竞争力的利率
• 最低信用分数仅为 580 分
• 无收入限制
• 如果您在支付房款方面遇到困难，可申请困难补助计划

您购买的房屋必须是您的主要住所。

注意：具体要求因贷款机构而异。

为什么 FHA 贷款的条件如此优越？

联邦住房管理局为所有 FHA 贷款提供担保。FHA 抵押贷款保险保护贷款人免受损失。如果业主拖欠抵押贷款，住房和城市发展部（HUD）将向贷款人支付未支付的本金余额。由于贷款人承担的风险较小，因此他们能够为购房者提供更实惠的按揭贷款。

您仍然必须满足其他基本要求。例如，您仍需证明自己有稳定的收入来源，且按揭付款不超过总收入的 47%。

什么是 "有竞争力的 "利率？

FHA贷款利率可能低于您的信用评分。例如，如果您的信用评分为 680 分，您可能仍有资格获得与信用评分为 740 分的人相同的利率。

美联储 利率政策对利率有重大影响，但利率并不是由它们制定的。相反，它们制定的政策会影响贷款人及其利润。

贷款人仍可自由设定自己的利率。当新闻来源报道当前的抵押贷款利率时，他们提供的是一个自然平均值，而不是一个准确的、有保证的利率。

在佛罗里达州，我是否必须是首次购房者才能从 FHA 贷款中获益？

No. 首次置业者 often benefit from the program because of its relaxed credit and down payment requirements, and they’re often marketed as first-time homebuyer loans. However, all borrowers may apply for an FHA loan.

为什么会有人申请其他类型的贷款呢？在某些方面，从长远来看，FHA 贷款可能更加昂贵。您必须支付两种类型的抵押贷款保险费，这些保险费都包含在贷款中。它们是预付按揭保险费（UFMIP）和每月按揭保险费（MIP）。这两种保险费都会增加您的每月按揭还款额，却不会帮助您更快地还清贷款本金。

其次，FHA 根据当地住房市场设定贷款限额。如果您想购买比所在县房价中位数更贵的房屋，您可能需要不同类型的贷款。例如，在劳德代尔堡，您可以为单户住宅申请最高 $621,000 美元的贷款，为四户住宅申请最高 $1,194,250 美元的贷款（截至本文撰写之时）。

最后，对于寻找出租、度假或投资房产的人来说，这些贷款并不总是有效的选择。虽然您可以使用 FHA 贷款购买两户、三户或四户住宅，但您必须打算在该房产中居住。

FHA 贷款适合你吗？

Find out with a complimentary consultation! We offer a diverse range of mortgage loan options, including DSCR 贷款, tailored to fit your needs. By thoroughly assessing your credit, income, and objectives, we aim to connect you with the ideal loan program for you.

请致电 (305) 900-2012，立即开始。

FHA Loans Frequently Asks Questions

What is the minimum credit score for an FHA loan?

The minimum credit score is 500. If your score is 580 or higher, you can qualify with a 3.5% down payment. If your score is between 500 and 579, you will need at least 10% down.

Are all FHA loans assumable?

Yes, all FHA loans are assumable. This means that when you sell your home, a qualified buyer can take over your FHA loan instead of getting a new mortgage. The buyer must meet the lender’s credit and income requirements, and the lender has to approve the assumption.

How much FHA loan can I afford?

How much you can afford depends on your income, debts, credit score, and the FHA loan limits in your county. Most lenders want your total monthly debt (including the mortgage) to be around 43% or less of your income.

Can I buy a house with a 500 credit score?

Yes, it’s possible. With a 500-579 credit score, you may still qualify for an FHA loan, but you’ll need a 10% down payment and must show steady income and employment. The Doce Mortgage Group also offers other services like 首付援助计划, 特大贷款, VA 贷款, conventional loans, and condo financing. They help with both first-time buyer programs and special loan types for people with different credit or income situations.

How many times can you get an FHA loan?

You can get an FHA loan more than once, but you can usually only have one active FHA loan at a time. If you sell or pay off your first FHA home, you can apply for another in the future.

Who can qualify for an FHA loan?

Anyone who meets the requirements can qualify. You need a credit score of at least 500, a steady income, a manageable amount of debt, and a down payment. You also must plan to live in the home as your primary residence.