Bonifay, Holmes County

Bonifay Mortgage Broker

Your licensed Bonifay Mortgage Broker for affordable, low-down-payment home loans — FHA, USDA, VA & Down Payment Assistance. As a trusted mortgage broker serving Bonifay and all of Holmes County, we close loans in 14–21 days with honest rates and no surprises.

$170,000

Median Home Price

2,734

Population

32425

Primary ZIP

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Get Pre-Approved in Bonifay

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Home Loans in Bonifay

Home Loans From Your Bonifay Mortgage Broker

Mortgage Capital is your local Bonifay Mortgage Broker. Bonifay — County seat in Holmes County— has its own price points and buyer profile, and we match each loan to it instead of running every client through the same box.

Whether you are buying your first home in Bonifay or refinancing one you already own, our team guides you from application to closing. As a broker rather than a bank, we shop dozens of lenders to find you a competitive Bonifay mortgage rate for 2026.

With a median home price near $170,000, Bonifay is one of the more attainable markets in Holmes County. Most buyers here use FHA, USDA where the address qualifies, and Florida down payment assistance to keep cash-to-close manageable. We help Bonifay buyers stack DPA with an FHA or conventional first mortgage so the upfront number works on a local budget.

Bonifay, near the Alabama border, has some of Florida's lowest prices, and its broad USDA eligibility makes zero-down financing the norm.

Available Mortgage Programs in Bonifay

✓FHA loans — 3.5% down, ideal for first-time buyers

✓USDA loans — $0 down in eligible areas

✓Conventional 97 — 3% down for qualifying buyers

✓VA loans — $0 down for veterans

✓Down Payment Assistance — Hometown Heroes & FL Housing

✓Refinance — lower your rate or pull cash out

Prices in Bonifaystill vary by neighborhood and property type. The right loan program and down payment strategy depend on your specific target range. Ready to see real numbers? We'll pull current Bonifayrates for your price point at no cost — start with a five-minute application or call (561) 300-0380.

Bonifay Market Data — 2026

CityBonifay

CountyHolmes County

ZIP Code32425

Median Price$170,000

Population2,734

Avg Close Time14–21 Days

Broker NMLS#1859012

How It Works in Bonifay

Apply Online

5 min · soft credit pull only

Rate Lock

We shop lenders for your best rate

Processing

Our team handles paperwork

In Bonifay — typically 14–21 days

FAQ

Bonifay Mortgage Questions

How do I find a mortgage broker in Bonifay, FL?

Mortgage Capital is a licensed Bonifay Mortgage Broker (NMLS# 1859012). Choosing the right broker matters, since not every lender offers the same programs or service. We are based in South Florida, so we know the Bonifay market and the programs that fit Bonifay buyers. Call us at (561) 300-0380 or apply online for a free consultation.

What is the minimum down payment for a home in Bonifay?

In Bonifay, where the median price is about $170,000, FHA's 3.5% down often lands well under $15,000 before assistance. USDA and VA loans reach $0 down for eligible buyers. The Florida Hometown Heroes program can add up to $35,000 toward your down payment and closing costs. That is often enough to cover most of what a Bonifay buyer needs at closing.

How long does it take to close on a home in Bonifay?

Most Bonifay home loans close in 14–21 days with Mortgage Capital, and our pre-approval usually takes under 24 hours. Timelines still shift with loan type, property condition, and how fast the seller moves. Walking in with a fully underwritten pre-approval letter is the best way to strengthen your offer and keep the Bonifay closing on track.

Explore Loan Programs

Florida Mortgage Locations FHA Loans Florida Down Payment Assistance All Florida Loan Programs Apply for Pre-Approval

Ready to Buy in Bonifay?

Your local Bonifay Mortgage 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.