FHA Loans
Can I buy a condo with an FHA loan?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Yes, but the condo project must be FHA-approved or qualify under FHA's single-unit approval process. Many Florida condo buildings carry approval, and we can check a specific project's status in minutes.
Approval looks at the building's owner-occupancy ratio, reserves, insurance, and litigation. If a building isn't approved, we'll either pursue single-unit approval or steer you to a conventional condo loan instead.
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