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3.5% Down · 580 Score

FHA Loan in Delray Beach, FL

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

$480,000

Median Home Price

3.5% Down

FHA Highlight

33444

Primary ZIP

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Get Pre-Approved in Delray Beach

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

FHA Loan · Delray Beach

FHA Loans From Your Delray Beach 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.

Delray Beach's median near $480,000 puts many purchases at the move-up end of Palm Beach County, where loan size and structure start to matter. We line up the FHA terms against that price point before you commit.

Delray Beach's Atlantic Avenue energy keeps demand high, and prices put many purchases right around the conforming line. That makes the conventional-versus-jumbo decision a real one for buyers here.

What a FHA Loan Offers in Delray Beach

✓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 Delray Beachprice 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

CityDelray Beach

CountyPalm Beach County

Broker NMLS#1859012

How It Works in Delray Beach

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for your FHA terms

Processing

Our team handles paperwork

In Delray Beach — typically 14–21 days

FAQ

FHA Loan in Delray Beach Questions

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

FHA sets the floor at 580 for 3.5% down, or 500 with 10% down. Most Delray Beach 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 Delray Beach?

Yes. FHA caps how much you can borrow by county, and the limit updates each year. With Delray Beach's median near $480,000, 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 Delray Beach, FL?

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

How fast can a fha loan close in Delray Beach?

Most Delray Beach 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 Delray Beach closing on schedule.

More Delray Beach Loan Programs

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

FHA Loan in Delray Beach?

Your local Delray Beachmortgage 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.