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New Port Richey, Pasco County

New Port Richey Mortgage Broker

Your licensed New Port Richey Mortgage Broker for FHA, Conventional, VA & Down Payment Assistance home loans. As a trusted mortgage broker serving New Port Richey and all of Pasco County, we close loans in 14–21 days with honest rates and no surprises.

$310,000
Median Home Price
16,728
Population
34652
Primary ZIP
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Get Pre-Approved in New Port Richey
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Home Loans in New Port Richey

Home Loans From Your New Port Richey Mortgage Broker

Mortgage Capital is your local New Port Richey Mortgage Broker. New Port Richey — Coastal city in Pasco 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 New Port Richey 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 New Port Richey mortgage rate for 2026.

New Port Richey's median price of around $310,000 puts it in the heart of Pasco County's first-time and move-up buyer range. Buyers here split fairly evenly between FHA and conventional financing, and many qualify for Florida down payment assistance. We shop both routes side by side so New Port Richey clients see the real monthly difference before committing.

New Port Richey is an affordable coastal city where FHA and conventional loans carry most first-time and move-up buyers.

Available Mortgage Programs in New Port Richey

✓FHA loans — 3.5% down with flexible credit
✓Conventional loans from 3% down
✓VA loans — $0 down for veterans
✓Down Payment Assistance — Hometown Heroes & FL Housing
✓First-time buyer programs
✓Refinance — rate/term & cash-out

Prices in New Port Richeystill 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 New Port Richeyrates for your price point at no cost — start with a five-minute application or call (561) 300-0380.

New Port Richey Market Data — 2026
CityNew Port Richey
CountyPasco County
ZIP Code34652
Median Price$310,000
Population16,728
Avg Close Time14–21 Days
Broker NMLS#1859012
How It Works in New Port Richey
01
Apply Online
5 min · soft credit pull only
02
Rate Lock
We shop lenders for your best rate
03
Processing
Our team handles paperwork
04
Close
In New Port Richey — typically 14–21 days
FAQ

New Port Richey Mortgage Questions

How do I find a mortgage broker in New Port Richey, FL?

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

What is the minimum down payment for a home in New Port Richey?

On a $310,000 New Port Richey home, a 3% conventional down payment lands roughly in the low five figures. FHA's 3.5% is close, with more flexible credit requirements. VA loans offer $0 down for veterans. Hometown Heroes can also add up to $35,000 toward your down payment and closing costs — a major help in the New Port Richey price range.

How long does it take to close on a home in New Port Richey?

Most New Port Richey 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 New Port Richey closing on track.

Also Serving Pasco County

Nearby Cities We Serve

Wesley Chapel
$420,000
Mortgage Broker →
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Ready to Buy in New Port Richey?

Your local New Port Richey 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.