Apply right now, schedule a call, or talk to a loan officer. Pick what fits, we meet you where you are.
Same destination, a real pre-approval letter that lets you make competitive offers. Three ways to get there.
The full FHA application takes 10-15 minutes. Most files get a same-day decision.
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Pick a 30-minute slot that works for you. We'll walk through your numbers and tell you whether FHA is the right fit before you fill anything out.
30 minutes, no commitment.
Talk to a licensed loan officer right now. We're available evenings and weekends, including Sundays.
Average wait under 60 seconds.
FHA loans are insured by the Federal Housing Administration, which lets lenders accept lower down payments (3.5% with a 580+ credit score) and more flexible debt-to-income ratios than conventional loans. Gift funds are allowed for the entire down payment. They're a great fit for first-time buyers, buyers rebuilding credit, or anyone who hasn't saved a 20% down payment.
Still researching? Read the full FHA loan guide
FHA was built to make ownership reachable, so the bar is intentionally lower than conventional. Here's the quick read on who qualifies. If you check most of the boxes below, you're a strong candidate. If you don't, we can still talk through your options.
Have these handy before you start the online application or jump on a call. Anything you don't have, we can request directly from your employer or bank during processing.
A current driver's license, state ID, or passport for every person on the loan.
W-2s if you're salaried, 1099s and federal tax returns if you're self-employed or commission-based.
Most recent pay stubs covering a full month. Bonus and overtime should show too if they're part of your qualifying income.
All accounts you'll use for down payment, closing costs, or reserves. Big deposits need a paper trail, so flag anything unusual.
Monthly minimums on auto loans, student loans, credit cards, and any installment plans. We pull credit, but knowing this helps us pre-shape the file.
If a family member is helping with the down payment, we'll provide a gift letter template. The donor will also need to show the source of the funds.
No black box. Here's the actual sequence after your application lands with our team, whether you came in online or scheduled a call.
We pull credit, run an automated underwriting check (Desktop Underwriter), and confirm your income and asset numbers line up. You'll get a text or email letting you know we have everything we need or what's still missing.
If your file is clean, we issue a real pre-approval letter you can send to your agent and use on offers. If we need to dig in (self-employment, recent credit events, multiple income sources), we set up a call within 24 hours to walk through it.
Submission to underwriting, FHA appraisal, conditional approval, then clear to close. We move as fast as you and the seller's side allow. Our 14-day target only works when everyone, including the title company and appraiser, plays.
Florida home prices have outpaced national averages, but FHA county loan limits in our biggest metros stay well above the national floor. Miami-Dade, Broward, and Palm Beach all sit at the high-cost ceiling, which means buyers in South Florida can use FHA to finance homes priced into the $800,000s. Hillsborough, Pinellas, Orange, and Duval all carry limits comfortably above the median sale price for first-time buyers.
The bigger Florida advantage is what stacks on top of FHA. Florida Hometown Heroes, Florida Assist, and county-level down payment assistance programs are designed to pair with FHA financing. That stack often takes a 3.5% down purchase to nearly nothing out of pocket at closing for teachers, nurses, first responders, and other qualifying buyers.
The local piece matters too. Florida-specific quirks like hurricane insurance, flood zones, condo project approval, and HOA dues all show up in the qualifying math. Working with a Florida-based broker who structures FHA files every week will catch issues an out-of-state online lender will miss until day 12 of a 14-day close.
The 3.5% down option requires a 580+ credit score. If your score is between 500-579, you can still qualify but will need 10% down. Below 500, FHA isn't available, but we may have other paths. The fastest way to know is to apply online or schedule a call.
For most files we can issue a pre-approval the same day you apply. Complex files (self-employed, multiple income sources, recent credit events) may take 24 to 48 hours. We'll tell you what to expect within minutes of receiving your application.
Yes. FHA allows 100% of the down payment to come from gift funds, as long as the donor is a family member or another approved source and the gift is properly documented. We'll walk you through what we need to make it work.
No. Anyone can use FHA as long as the home will be your primary residence. You generally just can't have more than one FHA loan active at the same time.
Applying online is the fastest path to a real pre-approval letter. Scheduling a call is for when you want to talk through your situation, ask questions, or make sure FHA is the right loan type before committing. Both paths end in the same place.
FHA loans carry two pieces: an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, which can be financed into the loan, and an annual mortgage insurance premium (MIP) typically around 0.55% per year, paid monthly. On a $300,000 loan, that's roughly $137 per month. It's the price you pay for FHA's lower down payment, and we'll show it on your quote so there are no surprises.
Scores from 500 to 579 still qualify for FHA, but the down payment moves to 10%. Below 500, FHA isn't available and we'd look at alternatives or a credit-improvement plan. If your score is close to 580, sometimes one or two payoffs or a rapid rescore can get you over the line. Schedule a call and we'll pull credit and tell you the fastest path.
FHA allows sellers to contribute up to 6% of the sale price toward your closing costs, which is one of the most generous programs in the industry. In a market where the seller is motivated, this can wipe out most of your out-of-pocket closing expense. We negotiate this through your agent at the offer stage.
Yes, but the condo project itself has to be FHA-approved or eligible for single-unit approval. Florida has specific challenges here, especially after the post-Surfside structural integrity legislation. We check project status before you fall in love with a unit, so you don't waste time under contract on a building that won't fund.
Principal, interest, taxes, insurance (PITI), MIP, and any HOA dues all factor in. As a rough Florida benchmark, a $300,000 FHA loan at current rates lands somewhere around $2,400 to $2,800 per month all-in, depending on the county's tax rate and whether you carry hurricane and flood insurance. We give you a real number on your quote, not a national average.
Yes. FHA's Streamline Refinance is one of the simplest refinance programs available, with no appraisal and minimal documentation if you already have an FHA loan. Once you've built equity, you can also refinance into a conventional loan to drop MIP entirely.
Three ways to start. Pick what feels right.
