Home›FHA Loan›West Palm Beach

3.5% Down · 580 Score

FHA Loan in West Palm Beach, FL

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

$380,000

Median Home Price

3.5% Down

FHA Highlight

33401

Primary ZIP

Call Now

Get Pre-Approved in West Palm Beach

5 minutes · No cost · Soft credit pull only

I consent to receive SMS from HomeMTG.loans. Reply STOP to opt out. Msg & data rates may apply. (Optional)

NMLS# 1859012 · Equal Housing Lender

FHA Loan · West Palm Beach

FHA Loans From Your West Palm 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.

With a median around $380,000, West Palm Beach 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.

As the county seat and largest city, West Palm Beach mixes downtown condos with established single-family neighborhoods. Buyers here run the full range, from FHA first-timers in the historic districts to conventional move-up purchasers along the waterfront. West Palm Beach also has one of South Florida's most active international buyer markets — we originate foreign national mortgages and ITIN loans here regularly, with no U.S. citizenship or SSN required.

What a FHA Loan Offers in West Palm 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 West Palm 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

CityWest Palm Beach

CountyPalm Beach County

Broker NMLS#1859012

How It Works in West Palm Beach

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for your FHA terms

Processing

Our team handles paperwork

In West Palm Beach — typically 14–21 days

FAQ

FHA Loan in West Palm Beach Questions

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

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

Yes. FHA caps how much you can borrow by county, and the limit updates each year. With West Palm Beach's median near $380,000, 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 West Palm Beach, FL?

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

How fast can a fha loan close in West Palm Beach?

Most West Palm 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 West Palm Beach closing on schedule.

More West Palm Beach Loan Programs

Other Loans We Write in West Palm Beach

Explore More

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

FHA Loan in West Palm Beach?

Your local West Palm 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.