3.5% down
Low minimum down payment for eligible borrowers.
Mortgage programs
Flexible qualifying for buyers who need it
FHA financing is government-insured and often more forgiving on credit and debt-to-income, which makes it a practical path for many Florida buyers.
Often a fit for
- Buyers with limited down payment
- Borrowers rebuilding credit
- Buyers with higher debt-to-income ratios
How it works
What matters with fha loans
Flexible credit review
Guidelines are generally more accommodating than conventional financing.
Gift funds allowed
Down payment may come from eligible gift sources.
Worth knowing
Considerations before you commit
- FHA loans include upfront and annual mortgage insurance premiums.
- Condos must be on an approved list or meet single-unit approval requirements.
Run the numbers
Model a full monthly payment, compare extra payments against investing, and explore what a program looks like in your actual scenario.
Related programs
Frequently asked questions
Next step
Want numbers based on your actual situation?
Book a short consultation with Chris or Jesse — no obligation, just a straight answer about your options.