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FHA Loans
FHA loans are government-backed mortgages designed for first-time homebuyers and those with less-than-perfect credit. They feature low down payments starting at 3.5%, flexible qualification guidelines, and competitive interest rates insured by the Federal Housing Administration.
Florida Market Insight
With Florida's median home prices continuing to rise, FHA loans provide an accessible path to homeownership for buyers who may not qualify for conventional financing. The program is especially popular among younger buyers entering the market for the first time.
FHA Loans by Location
Orlando, FL$385,000Miami, FL$590,000Tampa, FL$410,000Jacksonville, FL$320,000Lake Mary, FL$450,000Winter Garden, FL$475,000Kissimmee, FL$350,000Daytona Beach, FL$295,000Fort Lauderdale, FL$480,000St. Petersburg, FL$380,000Lakeland, FL$310,000Ocala, FL$270,000Gainesville, FL$310,000Tallahassee, FL$280,000Sarasota, FL$480,000Naples, FL$650,000Fort Myers, FL$350,000Palm Beach, FL$1,200,000Boca Raton, FL$550,000Coral Springs, FL$480,000Cape Coral, FL$370,000Clearwater, FL$360,000Pompano Beach, FL$400,000West Palm Beach, FL$420,000Deltona, FL$310,000Port St. Lucie, FL$370,000Doral, FL$550,000Homestead, FL$400,000Sanford, FL$370,000Clermont, FL$420,000
FHA Loans Payment Calculator
Estimated Monthly Payment
$1,816.07
Loan amount: $280,000 · 30-year term at 6.75%
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Frequently Asked Questions
- What is a FHA loan?
- FHA loans are government-backed mortgages designed for first-time homebuyers and those with less-than-perfect credit. They feature low down payments starting at 3.5%, flexible qualification guidelines, and competitive interest rates insured by the Federal Housing Administration.
- How do I qualify for a FHA loan in Florida?
- Qualification depends on credit score, income, debt-to-income ratio, and the specific FHA program requirements. Contact Beacon Mortgage for a free pre-qualification with no impact to your credit score.
- What is the Florida market like for FHA Loans?
- With Florida's median home prices continuing to rise, FHA loans provide an accessible path to homeownership for buyers who may not qualify for conventional financing. The program is especially popular among younger buyers entering the market for the first time.
- Where does Beacon Mortgage offer FHA Loans?
- Beacon Mortgage offers FHA Loans in Orlando, Miami, Tampa, Jacksonville, Fort Lauderdale, Winter Garden, and 25+ additional Florida cities. Click any city below to see local market data.