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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

New Port Richey Home Loan Programs

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 purchasing your first home in New Port Richeyor refinancing an existing mortgage, our team provides personalized guidance from application to closing. Furthermore, as a mortgage broker — not a bank — we shop dozens of lenders to find you the most competitive New Port Richey mortgage rates available in 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.

Available Loan 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, so 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 and program 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). However, choosing the right broker matters because not all lenders offer the same programs or service. Because we are locally based in South Florida, we know the New Port Richey market and the specific programs available to 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?

For a $310,000 home in New Port Richey, a 3% conventional down payment runs roughly the low five figures, while FHA's 3.5% is comparable with easier credit requirements. VA loans offer $0 down for veterans, and Hometown Heroes can contribute 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. Furthermore, our pre-approval process typically takes less than 24 hours. However, timelines can vary based on loan type, property condition, and seller cooperation. As a result, having a fully underwritten pre-approval letter from day one is the best way to strengthen your offer and accelerate the New Port Richey closing process.

Also Serving Pasco County

Nearby Cities We Serve

Wesley Chapel
$420,000
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Explore Loan Programs
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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.