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3.5% Down · 580 Score

FHA Loan in Coral Springs, FL

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

$490,000

Median Home Price

3.5% Down

FHA Highlight

33065

Primary ZIP

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Get Pre-Approved in Coral Springs

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

FHA Loan · Coral Springs

FHA Loans From Your Coral Springs 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.

Coral Springs's median near $490,000 puts many purchases at the move-up end of Broward County. Loan size and structure start to matter there. We line up the FHA terms against that price point before you commit.

Coral Springs ranks among Florida's top family cities, and its established neighborhoods sit near the conforming line, making conventional and high-balance loans the workhorses here. A significant portion of buyers are foreign nationals relocating from Latin America — we originate foreign national mortgages in Coral Springs with as little as 25% down, no U.S. citizenship required.

What a FHA Loan Offers in Coral Springs

✓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 Coral Springsprice 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 Coral Springs Loans

FHA Loan Snapshot

Minimum Down3.5%

Minimum Score580 (500 with 10% down)

Mortgage InsuranceUpfront + monthly MIP

Best ForFirst-time & credit-building buyers

CityCoral Springs

CountyBroward County

Broker NMLS#1859012

How It Works in Coral Springs

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 Coral Springs

Get Pre-Approved

FAQ

FHA Loan in Coral Springs Questions

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

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

Yes. FHA caps how much you can borrow by county, and the limit updates each year. With Coral Springs's median near $490,000, 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 Coral Springs, FL?

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

How fast can a fha loan close in Coral Springs?

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 Coral Springs closing on schedule.

More Coral Springs Loan Programs

Other Loans We Write in Coral Springs

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 Coral Springs borrowers ask us before they start a fha loan application.

What are FHA loan requirements?Can I have two FHA loans at once?Can I buy a multi-family home with an FHA loan?What is the difference between FHA and conventional?What is an origination fee?What is included in closing costs?

Browse all mortgage questions→

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