3.5% Down · 580 Score

FHA Loan in Brandon, FL

Your licensed Brandon mortgage broker for fha loans. We shop multiple lenders to find the right FHA terms for your Brandon purchase, and keep the file moving to the closing table.

$360,000

Median Home Price

3.5% Down

FHA Highlight

33511

Primary ZIP

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Get Pre-Approved in Brandon

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

FHA Loan · Brandon

FHA Loans From Your Brandon 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. The underwriting forgives a thinner file than conventional does.

With a median around $360,000, Brandon lands in Hillsborough County's core first-time and move-up range. A FHA loan fits squarely into how most buyers finance at this level.

Brandon, Tampa's largest suburb, is a steady conventional and FHA market with strong move-up and first-time-buyer demand.

What a FHA Loan Offers in Brandon

✓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, not a bank, we compare fha loan pricing across lenders at no cost. You get real numbers for your Brandonprice point. 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. Or review HUD's FHA homebuyer guidelines for the official rules behind the program.

Apply Now All Brandon Loans

FHA Loan Snapshot

Minimum Down3.5%

Minimum Score580 (500 with 10% down)

Mortgage InsuranceUpfront + monthly MIP

Best ForFirst-time & credit-building buyers

CityBrandon

CountyHillsborough County

Broker NMLS#1859012

How It Works in Brandon

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for your FHA terms

Processing

Our team handles paperwork

We coordinate title and signing in Brandon

Get Pre-Approved

FAQ

FHA Loan in Brandon Questions

What credit score do I need for an FHA loan in Brandon?

FHA sets the floor at 580 for 3.5% down, or 500 with 10% down. Most Brandon buyers we work with land between 580 and 660. If your score sits just under a threshold, we tell you whether a small bump is worth waiting for.

Is there an FHA loan limit in Brandon?

Yes. FHA caps how much you can borrow by county, and the limit updates each year. With Brandon's median near $360,000, most local purchases fit comfortably under the cap. We confirm the exact number for your price point before you write an offer.

Where can I get a fha loan in Brandon, FL?

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

How fast can a fha loan close in Brandon?

The timeline depends on the program, the appraisal, the title work, and how quickly the seller and their lender respond, so we do not quote a fixed number of days. We return most pre-approval decisions within one business day and order third-party reports as early as the contract allows. A fully underwritten pre-approval is the strongest way to keep your Brandon closing on schedule.

More Brandon Loan Programs

Other Loans We Write in Brandon

Official resources

Verify the details for your own situation against these government and agency sources: HUD FHA loan program and HUD Handbook 4000.1 (FHA rules).

FHA Loan Questions

What Brandon borrowers ask us before they start a fha loan application.

What is the FHA loan limit in Florida?Can I use an FHA loan for an investment property?What is the minimum down payment for an FHA loan?Does an FHA loan require a home inspection?What is a seller concession?What are seller concessions?

Browse all mortgage questions→

Tools & Programs

buyersAttorneys Home Loans MarketPalm Beach County Housing Market GuideComplete Refinance Costs Guide Property TypeCo-op: Requirements Credit Score660 Score, CONVENTIONAL Loan Down PaymentDown Payment Assistance with Conventional GlossaryConforming Loan Limit: definition CalculatorHELOC Calculator

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