THE FHA IN FLORIDA

FHA loans have been helping Florida residents since 1934 

 

A licensed Florida FHA Lender can offer you a better loan including:

Low down payments (if any)

24 Hour Pre-Approval

Low closing costs

Easier credit qualifying

48 hour Streamline Refinancing


 


Florida First Time Home Buyer Loan

This FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan programs.

Buy a home in Florida with  help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

Florida FHA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as mortgage interest rates continue to set new record lows almost every week for more than two month.  

Florida FHA Debt Consolidation

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending expert to talk over your financial situation so you are not left to figure out everything completely on your own.  

 

Florida FHA Home Loan

How it works:

 

√    Determine the type of FHA Government Loan that best fits your needs.

 

√       Complete an easy 2 minute application form.

 

√    We will forward your application to one and only one  FHA Approved Lender who can best help you based upon:

 

  • The type of loan you requested

  • Your down-payment (if purchase loan)

  • The location (State) your property is located

  • Your credit history

  • The best rate available for your loan

 

√    An FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you. 

 

√    Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

 

√    Review with no obligations your FHA Loan Pre-approval and locked rate. 

 

Note- It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.              

Florida FHA Lending Limits 2022

Florida Median Home Sale Price Price $195,000

 

County Name Single Duplex 3 Unit 4 Unit
ALACHUA $275,665 $352,950 $426,625 $530,150
   GAINESVILLE, FL
BAKER $330,050 $422,500 $510,700 $634,700
   JACKSONVILLE, FL
BAY $275,665 $352,950 $426,625 $530,150
   PANAMA CITY, FL
BRADFORD $275,665 $352,950 $426,625 $530,150
   NON-METRO
BREVARD $275,665 $352,950 $426,625 $530,150
   PALM BAY-MELBOURNE-TITUSVILLE, FL
BROWARD $345,000 $441,650 $533,850 $663,450
   MIAMI-FORT LAUDERDALE-WEST PALM BEACH,
CALHOUN $275,665 $352,950 $426,625 $530,150
CHARLOTTE $275,665 $352,950 $426,625 $530,150
   PUNTA GORDA, FL
CITRUS $275,665 $352,950 $426,625 $530,150
   HOMOSASSA SPRINGS, FL
CLAY $330,050 $422,500 $510,700 $634,700
   JACKSONVILLE, FL
COLLIER $450,800 $577,100 $697,600 $866,950
   NAPLES-IMMOKALEE-MARCO ISLAND, FL
COLUMBIA $275,665 $352,950 $426,625 $530,150
   LAKE CITY, FL
DESOTO $275,665 $352,950 $426,625 $530,150
   ARCADIA, FL
DIXIE $275,665 $352,950 $426,625 $530,150
DUVAL $330,050 $422,500 $510,700 $634,700
   JACKSONVILLE, FL
ESCAMBIA $275,665 $352,950 $426,625 $530,150
   PENSACOLA-FERRY PASS-BRENT, FL
FLAGLER $275,665 $352,950 $426,625 $530,150
   DELTONA-DAYTONA BEACH-ORMOND BEACH, FL
FRANKLIN $275,665 $352,950 $426,625 $530,150
   NON-METRO
GADSDEN $275,665 $352,950 $426,625 $530,150
   TALLAHASSEE, FL
GILCHRIST $275,665 $352,950 $426,625 $530,150
   GAINESVILLE, FL
GLADES $275,665 $352,950 $426,625 $530,150
GULF $275,665 $352,950 $426,625 $530,150
   PANAMA CITY, FL
HAMILTON $275,665 $352,950 $426,625 $530,150
HARDEE $275,665 $352,950 $426,625 $530,150
   WAUCHULA, FL
HENDRY $275,665 $352,950 $426,625 $530,150
   CLEWISTON, FL
HERNANDO $275,665 $352,950 $426,625 $530,150
   TAMPA-ST. PETERSBURG-CLEARWATER, FL
HIGHLANDS $275,665 $352,950 $426,625 $530,150
   SEBRING, FL
HILLSBOROUGH $275,665 $352,950 $426,625 $530,150
   TAMPA-ST. PETERSBURG-CLEARWATER, FL
HOLMES $275,665 $352,950 $426,625 $530,150
INDIAN RIVER $275,665 $352,950 $426,625 $530,150
   SEBASTIAN-VERO BEACH, FL
JACKSON $275,665 $352,950 $426,625 $530,150
JEFFERSON $275,665 $352,950 $426,625 $530,150
   TALLAHASSEE, FL
LAFAYETTE $275,665 $352,950 $426,625 $530,150
   NON-METRO
LAKE $277,150 $354,800 $428,850 $532,950
   ORLANDO-KISSIMMEE-SANFORD, FL
LEE $275,665 $352,950 $426,625 $530,150
   CAPE CORAL-FORT MYERS, FL
LEON $275,665 $352,950 $426,625 $530,150
   TALLAHASSEE, FL
LEVY $275,665 $352,950 $426,625 $530,150
LIBERTY $275,665 $352,950 $426,625 $530,150
MADISON $275,665 $352,950 $426,625 $530,150
MANATEE $287,500 $368,050 $444,900 $552,900
   NORTH PORT-SARASOTA-BRADENTON, FL
MARION $275,665 $352,950 $426,625 $530,150
   OCALA, FL
MARTIN $316,250 $404,850 $489,350 $608,150
   PORT ST. LUCIE, FL
MIAMI-DADE $345,000 $441,650 $533,850 $663,450
   MIAMI-FORT LAUDERDALE-WEST PALM BEACH,
MONROE $529,000 $677,200 $818,600 $1,017,300
   KEY WEST, FL
NASSAU $330,050 $422,500 $510,700 $634,700
   JACKSONVILLE, FL
OKALOOSA $341,550 $437,250 $528,500 $656,800
   CRESTVIEW-FORT WALTON BEACH-DESTIN, FL
OKEECHOBEE $275,665 $352,950 $426,625 $530,150
   OKEECHOBEE, FL
ORANGE $277,150 $354,800 $428,850 $532,950
   ORLANDO-KISSIMMEE-SANFORD, FL
OSCEOLA $277,150 $354,800 $428,850 $532,950
   ORLANDO-KISSIMMEE-SANFORD, FL
PALM BEACH $345,000 $441,650 $533,850 $663,450
   MIAMI-FORT LAUDERDALE-WEST PALM BEACH,
PASCO $275,665 $352,950 $426,625 $530,150
   TAMPA-ST. PETERSBURG-CLEARWATER, FL
PINELLAS $275,665 $352,950 $426,625 $530,150
   TAMPA-ST. PETERSBURG-CLEARWATER, FL
POLK $275,665 $352,950 $426,625 $530,150
   LAKELAND-WINTER HAVEN, FL
PUTNAM $275,665 $352,950 $426,625 $530,150
   PALATKA, FL
SANTA ROSA $275,665 $352,950 $426,625 $530,150
   PENSACOLA-FERRY PASS-BRENT, FL
SARASOTA $287,500 $368,050 $444,900 $552,900
   NORTH PORT-SARASOTA-BRADENTON, FL
SEMINOLE $277,150 $354,800 $428,850 $532,950
   ORLANDO-KISSIMMEE-SANFORD, FL
ST. JOHNS $330,050 $422,500 $510,700 $634,700
   JACKSONVILLE, FL
ST. LUCIE $316,250 $404,850 $489,350 $608,150
   PORT ST. LUCIE, FL
SUMTER $287,500 $368,050 $444,900 $552,900
   THE VILLAGES, FL
SUWANNEE $275,665 $352,950 $426,625 $530,150
TAYLOR $275,665 $352,950 $426,625 $530,150
   NON-METRO
UNION $275,665 $352,950 $426,625 $530,150
VOLUSIA $275,665 $352,950 $426,625 $530,150
   DELTONA-DAYTONA BEACH-ORMOND BEACH, FL
WAKULLA $275,665 $352,950 $426,625 $530,150
   TALLAHASSEE, FL
WALTON $341,550 $437,250 $528,500 $656,800
   CRESTVIEW-FORT WALTON BEACH-DESTIN, FL
WASHINGTON $275,665 $352,950 $426,625 $530,150