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3.5% Down · 580 Score

FHA Loan in Lake Worth, FL

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

$340,000
Median Home Price
3.5% Down
FHA Highlight
33460
Primary ZIP
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Get Pre-Approved in Lake Worth
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
FHA Loan · Lake Worth

FHA Loans From Your Lake Worth 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 $340,000, Lake Worth lands in Palm Beach County's core first-time and move-up range. A FHA loan fits squarely into how most buyers finance at this level.

Most mortgage searches for Lake Worth land here — the city officially renamed itself Lake Worth Beach in 2019, but the old name still drives most of the traffic. We serve the 33460 market under both names: FHA, VA, and down payment assistance for first-time buyers in the arts district and established neighborhoods, as well as conventional and renovation loans for move-up purchasers.

What a FHA Loan Offers in Lake Worth

✓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 Lake Worthprice 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
CityLake Worth
CountyPalm Beach County
Broker NMLS#1859012
How It Works in Lake Worth
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 Lake Worth
Get Pre-Approved
FAQ

FHA Loan in Lake Worth Questions

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

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

Yes. FHA caps how much you can borrow by county, and the limit updates each year. With Lake Worth's median near $340,000, 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 Lake Worth, FL?

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

How fast can a fha loan close in Lake Worth?

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 Lake Worth closing on schedule.

More Lake Worth Loan Programs

Other Loans We Write in Lake Worth

VA
Lake Worth
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USDA
Lake Worth
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Conventional
Lake Worth
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Jumbo
Lake Worth
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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 Lake Worth borrowers ask us before they start a fha loan application.

How do I get rid of FHA mortgage insurance?Can I have two FHA loans at once?Can I get an FHA loan on a second home?Can I buy a condo with an FHA loan?Can the seller pay my closing costs?Can I borrow my down payment?
Browse all mortgage questions→
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FHA Loan in Lake Worth?

Your local Lake Worth 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.