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Most Florida Counties FHA Loan Limit for 2024 is $498,257 | Monroe County FHA Loan Limits are higher at $929,200
The Federal Housing Administration sets FHA loan limits on an annual basis.
Check to See your Florida FHA Loan Limit here

Florida FHA Loan Purchase Programs

Florida FHA Loan Purchase Programs

Fidelity Home Group is here to help you find FHA Loan financing for your home that’s best for you—whether you’re just starting out, or looking to move to Florida. With free pre-approvals, you can search for your new home knowing all of your options, and our selection of specialty loan programs and in-house mortgage experts means your home loan is personalized to your individual needs and budget. 

 Florida FHA Condo Loans

When you are self-employed or a business owner and you want to buy a home, you fill out the same application as everyone else. The same factors are considered: your credit score, how much debt you have, your assets and your income. So what’s different? When you work for someone else, lenders go to your employer to verify the amount and history of that income, and how likely it is you’ll keep earning it.

Florida FHA Manufactured / Mobile Home Loan Programs

Manufactured homes are attractive options for buyers interested in making a home affordable as well as homeowners who want a property that offers a simpler lifestyle and more efficient living arrangements. Whether you are looking to finance a single wide or double wide manufactured or modular home, we offer manufactured home / mobile home loans with competitive home mortgage rates, along with a team of highly experienced mortgage experts to help you with every step of your mortgage from application to closing.

Florida FHA Loan Purchase Programs

FHA loans are backed by the Federal Housing Administration and are designed to help those with limited resources buy a home. The requirements for FHA loans are typically less stringent than those for conventional loans, making them a good option for first-time homebuyers and those with credit challenges. However, it’s important to keep in mind that FHA loans come with mortgage insurance premiums (MIP) that must be paid for the life of the loan, and there are limits to how much you can borrow with an FHA loan. Additionally, some lenders may have stricter requirements for FHA borrowers, such as a higher minimum credit score or a lower debt-to-income ratio. To determine if an FHA loan is the right choice for you, it’s important to weigh the benefits against the costs and to compare it with other loan options.

FHA loan Requirements

  • Credit scores as low as 620 may qualify
  • Buy a home with as little as 3.5% down [ primary residences only]
  • Income must be documented with pay stubs, W2’s and / or tax returns
  • Debt to income ratio less than 56.9%
  • 3 months of payment reserves required
  • Loan amount must be under FHA Mortgage Limits [ check here ]
    • Most Florida Counties FHA Loan Limit Is $472,030; some counties are higher
    • Monroe County Florida – home to Key West and the Florida Keys FHA loan limit is $874,000.
  • Property must meet FHA Minimum Property Requirements  [ check here ]

FHA Loan Benefits

  • Less stringent qualification and credit requirements
  • Low down payment requirement; perfect for first-time home buyers
  • Condo Property Developments are available
  • Manufactured / Mobile homes are available
  • Multi-Family homes are available
  • Backed by the Federal Housing Administration [ FHA ]

When your ready to get started on your FHA loan, we are FHA Mortgage Experts to guide you through the entire process, the first step is getting you pre-approved. You can apply online or you prefer to speak with one of our FHA Mortgage Experts, we would be happy to speak with you. Call or text us at 407-955-4575.

Get Pre-Approved by Florida FHA Loan Experts

FHA Loan Florida Experts