Florida FHA Loan
Florida FHA loans, including the condo stuff most lenders punt on.
3.5% down, flexible credit, and a workable program for a state where prices have climbed. The trick in Florida is the property side, especially condos.
3.5% down
Low down payment for first time and repeat buyers.
Condo savvy
FHA condo approval rules are real. I know which projects work.
Insurance aware
We factor wind and flood insurance correctly so your DTI is right the first time.
Florida FHA loan requirements
Generally a 580+ credit score for the 3.5% down option, a debt to income ratio that fits the program, and a property that meets FHA condition standards. In Florida, that condition piece is bigger than people think (roof age, four point inspection, wind mitigation).
Condos and FHA
Not every condo project is FHA approved. Some are project approved, some need a single unit approval. I check the project before you write the offer so we don't burn appraisal money on a deal that can't close.
Keep exploring
Want a real human to walk you through this?
I'll lay out your options in plain English. No pressure, no scripts.