3.5% Down · 580 Score

FHA Loan in Stuart, FL

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

$420,000

Median Home Price

3.5% Down

FHA Highlight

34994

Primary ZIP

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Get Pre-Approved in Stuart

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

FHA Loan · Stuart

FHA Loans From Your Stuart 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 $420,000, Stuart lands in Martin County's core first-time and move-up range. A FHA loan fits squarely into how most buyers finance at this level.

Stuart, the Sailfish Capital and county seat, mixes historic downtown homes with waterfront properties, supporting conventional, FHA, and the occasional jumbo near the coast.

What a FHA Loan Offers in Stuart

✓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 Stuartprice 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

CityStuart

CountyMartin County

Broker NMLS#1859012

How It Works in Stuart

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for your FHA terms

Processing

Our team handles paperwork

In Stuart — typically 14–21 days

FAQ

FHA Loan in Stuart Questions

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

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

Yes. FHA caps how much you can borrow by county, and the limit updates each year. With Stuart's median near $420,000, 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 Stuart, FL?

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

How fast can a fha loan close in Stuart?

Most Stuart 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 Stuart closing on schedule.

More Stuart Loan Programs

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

FHA Loan in Stuart?

Your local Stuartmortgage 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.