3.5% Down · 580 Score

FHA Loan in Sunrise, FL

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

$420,000

Median Home Price

3.5% Down

FHA Highlight

33313

Primary ZIP

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Get Pre-Approved in Sunrise

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

FHA Loan · Sunrise

FHA Loans From Your Sunrise 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 $420,000, Sunrise 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.

Sunrise, anchored by the Panthers arena and retail hubs, is a solid conventional and FHA market with steady first-time-buyer demand.

What a FHA Loan Offers in Sunrise

✓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 Sunriseprice 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 Sunrise Loans

FHA Loan Snapshot

Minimum Down3.5%

Minimum Score580 (500 with 10% down)

Mortgage InsuranceUpfront + monthly MIP

Best ForFirst-time & credit-building buyers

CitySunrise

CountyBroward County

Broker NMLS#1859012

How It Works in Sunrise

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 Sunrise

Get Pre-Approved

FAQ

FHA Loan in Sunrise Questions

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

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

Yes. FHA caps how much you can borrow by county, and the limit updates each year. With Sunrise's median near $420,000, 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 Sunrise, FL?

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

How fast can a fha loan close in Sunrise?

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 Sunrise closing on schedule.

More Sunrise Loan Programs

Other Loans We Write in Sunrise

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

Does an FHA loan require a home inspection?Can I have two FHA loans at once?Can I get an FHA loan with a 580 credit score?Can I get an FHA loan after a previous FHA loan?Is it better to put 20 percent down?What is PMI?

Browse all mortgage questions→

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