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3.5% Down · 580 Score

FHA Loan in Palm Beach Gardens, FL

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

$560,000
Median Home Price
3.5% Down
FHA Highlight
33410
Primary ZIP
Get Pre-ApprovedCall Now
Get Pre-Approved in Palm Beach Gardens
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
FHA Loan · Palm Beach Gardens

FHA Loans From Your Palm Beach Gardens 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.

Palm Beach Gardens's median near $560,000 puts many purchases at the move-up end of Palm Beach County. Loan size and structure start to matter there. We line up the FHA terms against that price point before you commit.

Home to corporate headquarters and gated golf communities, Palm Beach Gardens leans high-balance and jumbo. We shop reserves and rate structure hard for buyers at this price point.

What a FHA Loan Offers in Palm Beach Gardens

✓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 Palm Beach Gardensprice 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
CityPalm Beach Gardens
CountyPalm Beach County
Broker NMLS#1859012
How It Works in Palm Beach Gardens
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 Palm Beach Gardens
Get Pre-Approved
FAQ

FHA Loan in Palm Beach Gardens Questions

What credit score do I need for an FHA loan in Palm Beach Gardens?

FHA sets the floor at 580 for 3.5% down, or 500 with 10% down. Most Palm Beach Gardens 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 Palm Beach Gardens?

Yes. FHA caps how much you can borrow by county, and the limit updates each year. With Palm Beach Gardens's median near $560,000, 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 Palm Beach Gardens, FL?

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

How fast can a fha loan close in Palm Beach Gardens?

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 Palm Beach Gardens closing on schedule.

More Palm Beach Gardens Loan Programs

Other Loans We Write in Palm Beach Gardens

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USDA
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Conventional
Palm Beach Gardens
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Jumbo
Palm Beach Gardens
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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 Palm Beach Gardens borrowers ask us before they start a fha loan application.

Can I get an FHA loan with a 580 credit score?Can I use an FHA loan for an investment property?What are FHA debt-to-income limits?What is an FHA loan?What are prepaid items?How do I remove PMI on a conventional loan?
Browse all mortgage questions→
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FHA Loan in Palm Beach Gardens?

Your local Palm Beach Gardens 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.