FHA Loans
What is an FHA loan?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
An FHA loan is a government-backed mortgage with easier credit and down payment requirements — 3.5% down at a 580 score. It's the most popular path for first-time and credit-rebuilding buyers.
FHA charges an upfront and annual mortgage insurance premium, and the home must be your primary residence. It pairs well with Florida down payment assistance. We'll confirm whether FHA is your lowest-cost option.
Related FHA Loans Questions
Have a follow-up question?
Talk to a licensed Florida mortgage broker — no cost, no obligation.