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3.5% Down · 580 Score

FHA Loan in Coconut Creek, FL

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

$370,000
Median Home Price
3.5% Down
FHA Highlight
33063
Primary ZIP
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Get Pre-Approved in Coconut Creek
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
FHA Loan · Coconut Creek

FHA Loans From Your Coconut Creek 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 $370,000, Coconut Creek lands in Broward County's core first-time and move-up range. A FHA loan fits squarely into how most buyers finance at this level.

Coconut Creek's family neighborhoods sit comfortably in the conventional and FHA range, with steady move-up demand.

What a FHA Loan Offers in Coconut Creek

✓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 Coconut Creekprice 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.

FHA Loan Snapshot
Minimum Down3.5%
Minimum Score580 (500 with 10% down)
Mortgage InsuranceUpfront + monthly MIP
Best ForFirst-time & credit-building buyers
CityCoconut Creek
CountyBroward County
Broker NMLS#1859012
How It Works in Coconut Creek
01
Apply Online
5 min · soft credit pull only
02
Match Program
We shop lenders for your FHA terms
03
Processing
Our team handles paperwork
04
Close
We coordinate title and signing in Coconut Creek
Get Pre-Approved
FAQ

FHA Loan in Coconut Creek Questions

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

FHA sets the floor at 580 for 3.5% down, or 500 with 10% down. Most Coconut Creek 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 Coconut Creek?

Yes. FHA caps how much you can borrow by county, and the limit updates each year. With Coconut Creek's median near $370,000, 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 Coconut Creek, FL?

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

How fast can a fha loan close in Coconut Creek?

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 Coconut Creek closing on schedule.

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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 Coconut Creek borrowers ask us before they start a fha loan application.

Can I get an FHA loan after a previous FHA loan?Can I have two FHA loans at once?What are FHA debt-to-income limits?What is FHA mortgage insurance?Can I include closing costs in my loan?What is a piggyback loan?
Browse all mortgage questions→
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FHA Loan in Coconut Creek?

Your local Coconut Creek mortgage broker. 5-minute pre-approval, honest rates, fast closing.

Get Pre-Approved(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.