FHA Loans
As little as 3.5% down, flexible credit
FHA loans are government-backed mortgages designed to make homeownership accessible. With as little as 3.5% down and flexible credit requirements, they are one of the most popular paths for Florida buyers, especially first-timers and anyone rebuilding credit.
Who this is for
Why buyers choose FHA Loans
Low down payment
Put as little as 3.5% down with a 580+ credit score. On a $350,000 home, that is about $12,250 upfront instead of $70,000 at 20% down.
Flexible credit standards
FHA guidelines allow lower scores and shorter credit histories than most conventional loans. Scores between 500 and 579 may still qualify with 10% down.
Seller can help with closing costs
Sellers can contribute up to 6% of the purchase price toward your closing costs, lowering the cash you need at the table.
Competitive rates
Because FHA loans are government-insured, rates are often competitive with or better than conventional options for the same credit profile.
How to qualify
Typical guidelines. Your exact numbers come from the free 60-second check.
Common questions
No. Our qualification check uses a soft inquiry only. Your score is not affected until you choose to move forward with a full application.
See what you qualify for
Nine quick questions. Zero impact on your credit score. Real answers in about 60 seconds.
Check if I qualifyFHA loans are insured by the Federal Housing Administration. Program terms, limits, and mortgage insurance requirements are set by HUD and the underwriting lender and are subject to change.