Holiday, Pasco County

Holiday Mortgage Broker

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

$223,000

Median Home Price

22,403

Population

34690

Primary ZIP

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Get Pre-Approved in Holiday

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Home Loans in Holiday

Home Loans From Your Holiday Mortgage Broker

Mortgage Capital is your local Holiday Mortgage Broker. Holiday — Community in Pasco County in Pasco County— has its own price points and buyer profile. We match each loan to it instead of running every client through the same box.

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

With a median home price near $223,000, Holiday is one of the more attainable markets in Pasco County. Most buyers here use FHA, USDA where the address qualifies, and Florida down payment assistance to keep cash-to-close manageable. We help Holiday buyers stack DPA with an FHA or conventional first mortgage. That way the upfront number works on a local budget.

Holiday is a sizable city in Pasco County where the median lands around $223,000. With prices run below the Pasco County median, FHA, USDA where eligible, and Florida down payment assistance cover most purchases here.

Available Mortgage Programs in Holiday

✓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 Holidaystill 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 Holiday rates for your price point at no cost. Start with a five-minute application or call (561) 300-0380. For a neutral primer on the process, the CFPB's homebuyer guide walks through every step.

Holiday Market Data — 2026

CityHoliday

CountyPasco County

ZIP Code34690

Median Price$223,000

Population22,403

Avg Close Time14–21 Days

Broker NMLS#1859012

How It Works in Holiday

Apply Online

5 min · soft credit pull only

Rate Lock

We shop lenders for your best rate

Processing

Our team handles paperwork

In Holiday — typically 14–21 days

FAQ

Holiday Mortgage Questions

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

Mortgage Capital is a licensed Holiday 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 Holiday market and the programs that fit Holiday buyers. Call us at (561) 300-0380 or apply online for a free consultation.

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

In Holiday, where the median price is about $223,000, 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 Holiday buyer needs at closing.

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

Most Holiday 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. It also keeps the Holiday closing on track.

Also Serving Pasco County

Nearby Cities We Serve

Explore Loan Programs

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

Ready to Buy in Holiday?

Your local Holiday 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.