3.5% Down · 580 Score

FHA Loan in Plantation, FL

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

$500,000

Median Home Price

3.5% Down

FHA Highlight

33324

Primary ZIP

Get Pre-Approved Call Now

Get Pre-Approved in Plantation

5 minutes · No cost · Soft credit pull only

I consent to receive SMS from HomeMTG.loans. Reply STOP to opt out. Msg & data rates may apply. (Optional)

NMLS# 1859012 · Equal Housing Lender

FHA Loan · Plantation

FHA Loans From Your Plantation 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.

Plantation's median near $500,000 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.

Plantation's upscale suburban homes sit near the conforming limit, so high-balance conventional and jumbo financing both come into play.

What a FHA Loan Offers in Plantation

✓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 Plantationprice 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 Plantation Loans

FHA Loan Snapshot

Minimum Down3.5%

Minimum Score580 (500 with 10% down)

Mortgage InsuranceUpfront + monthly MIP

Best ForFirst-time & credit-building buyers

CityPlantation

CountyBroward County

Broker NMLS#1859012

How It Works in Plantation

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 Plantation

Get Pre-Approved

FAQ

FHA Loan in Plantation Questions

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

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

Yes. FHA caps how much you can borrow by county, and the limit updates each year. With Plantation's median near $500,000, 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 Plantation, FL?

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

How fast can a fha loan close in Plantation?

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 Plantation closing on schedule.

More Plantation Loan Programs

Other Loans We Write in Plantation

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 Plantation borrowers ask us before they start a fha loan application.

Does an FHA loan require a home inspection?What will fail an FHA appraisal?How do I get rid of FHA mortgage insurance?Can I buy a condo with an FHA loan?What happens if I put less than 20 percent down?Do mortgage inquiries hurt my credit score?

Browse all mortgage questions→

Tools & Programs

Credit Score550 Score, JUMBO Loan CalculatorHome Insurance Calculator buyersNurses Home Loans Property TypeBarndominium: DSCR GlossaryVerification of Employment: definition refinanceFHA Cash-Out Refinance: Guide GuideComplete Title Insurance Guide Down PaymentDown Payment Loans with Florida

Keep Exploring

JournalBuying a HUD Home in Florida: Bidding, Repair Escrows and the $100 Down Program LocationScottsmoor Mortgage Broker JournalBuilder Warranties in Florida: What They Actually Cover LocationSweetwater Mortgage Broker JournalNon-Occupant Co-Borrowers in Florida: Using a Parent's Income RatesMortgage Rates in Alachua County

This Program in Other Cities

Local ProgramFHA Loan in Pompano Beach Local ProgramFHA Loan in Port Charlotte Local ProgramFHA Loan in Port St. Lucie Local ProgramFHA Loan in Royal Palm Beach Local ProgramFHA Loan in Sarasota Local ProgramFHA Loan in St. Petersburg Local ProgramFHA Loan in Stuart Local ProgramFHA Loan in Sunrise Local ProgramFHA Loan in Tallahassee Local ProgramFHA Loan in Tampa

Explore More

Plantation Mortgage Broker FHA Loan Program Guide All Florida Loan Programs All Florida Cities Apply for Pre-Approval