3.5% Down · 580 Score

FHA Loan in Lake Worth, FL

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

$340,000

Median Home Price

3.5% Down

FHA Highlight

33460

Primary ZIP

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Get Pre-Approved in Lake Worth

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

FHA Loan · Lake Worth

FHA Loans From Your Lake Worth 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 $340,000, Lake Worth lands in Palm Beach County's core first-time and move-up range. A FHA loan fits squarely into how most buyers finance at this level.

Most mortgage searches for Lake Worth land here — the city officially renamed itself Lake Worth Beach in 2019, but the old name still drives most of the traffic. We serve the 33460 market under both names: FHA, VA, and down payment assistance for first-time buyers in the arts district and established neighborhoods, as well as conventional and renovation loans for move-up purchasers.

What a FHA Loan Offers in Lake Worth

✓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 Lake Worthprice 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

CityLake Worth

CountyPalm Beach County

Broker NMLS#1859012

How It Works in Lake Worth

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for your FHA terms

Processing

Our team handles paperwork

In Lake Worth — typically 14–21 days

FAQ

FHA Loan in Lake Worth Questions

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

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

Yes. FHA caps how much you can borrow by county, and the limit updates each year. With Lake Worth's median near $340,000, 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 Lake Worth, FL?

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

How fast can a fha loan close in Lake Worth?

Most Lake Worth 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 Lake Worth closing on schedule.

More Lake Worth Loan Programs

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

FHA Loan in Lake Worth?

Your local Lake Worthmortgage 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.