3.5% Down · 580 Score

FHA Loan in Clearwater, FL

Your licensed Clearwater mortgage broker for fha loans. We shop multiple lenders to find the right FHA terms for your Clearwaterpurchase, and close in 14–21 days.

$370,000

Median Home Price

3.5% Down

FHA Highlight

33755

Primary ZIP

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Get Pre-Approved in Clearwater

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

FHA Loan · Clearwater

FHA Loans From Your Clearwater Mortgage Broker

An FHA loan is the government-backed mortgage that lets buyers in with as little as 3.5% down and a 580 credit score. It is the workhorse program for first-time and credit-rebuilding buyers because the underwriting forgives a thinner file than conventional does.

With a median around $370,000, Clearwater lands in Pinellas County's core first-time and move-up range. A FHA loan fits squarely into how most buyers finance at this level.

Clearwater, the county seat, pairs beach access with affordable inland homes, supporting FHA, conventional, and condo financing.

What a FHA Loan Offers in Clearwater

✓3.5% down at a 580 score; 10% down in the 500–579 band

✓Gift funds allowed for the entire down payment

✓Higher debt-to-income tolerance than conventional

✓Mortgage insurance runs for the life of the loan in most cases

✓FL county loan limits cap the borrowing amount

✓Assumable — a selling point if rates rise later

As a broker rather than a bank, we compare fha loan pricing across lenders for your Clearwaterprice point at no cost. Start with a five-minute application or call (561) 300-0380 and we will map the numbers to your situation. You can also read the full FHA Loan program guide.

FHA Loan Snapshot

Minimum Down3.5%

Minimum Score580 (500 with 10% down)

Mortgage InsuranceUpfront + monthly MIP

Best ForFirst-time & credit-building buyers

CityClearwater

CountyPinellas County

Broker NMLS#1859012

How It Works in Clearwater

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for your FHA terms

Processing

Our team handles paperwork

In Clearwater — typically 14–21 days

FAQ

FHA Loan in Clearwater Questions

What credit score do I need for an FHA loan in Clearwater?

FHA sets the floor at 580 for 3.5% down, or 500 with 10% down. Most Clearwater buyers we work with land between 580 and 660. If your score sits just under a threshold, we will tell you whether a small bump is worth the wait before you lock.

Is there an FHA loan limit in Clearwater?

Yes. FHA caps how much you can borrow by county, and the limit updates each year. With Clearwater's median near $370,000, most local purchases fit comfortably under the cap, but we confirm the exact number for your price point before you write an offer.

Where can I get a fha loan in Clearwater, FL?

Mortgage Capital is a licensed Florida mortgage broker (NMLS# 1859012) writing fha loans in Clearwater and across Pinellas County. As a broker we shop multiple lenders for the program, so you see real Clearwater pricing rather than one bank's box. Call (561) 300-0380 or apply online.

How fast can a fha loan close in Clearwater?

Most Clearwater loans close in 14–21 days, with pre-approval usually under 24 hours. The exact timeline shifts with the program, the property, and the seller. A fully underwritten pre-approval is the best way to keep your Clearwater closing on schedule.

More Clearwater Loan Programs

Other Loans We Write in Clearwater

Explore More

Clearwater Mortgage Broker FHA Loan Program Guide All Florida Loan Programs All Florida Cities Apply for Pre-Approval

FHA Loan in Clearwater?

Your local Clearwatermortgage broker — 5-minute pre-approval, honest rates, fast closing.

(561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.