FHA Home Loans Florida

FHA loans have been helping Florida residents since 1934 

A Florida FHA Lender can offer you a better loan including:

  • Low down payments (if any)

  • Low closing costs

  • Easy credit qualifying

  • 48 hour Streamline Refinancing

How it works:

   Determine the best type of FHA loan that best fits your needs

   Complete an easy 2 minute form

   An FHA Loan Specialist will respond within 1 business day.

   Review with no obligations your loan approval and locked rate. 

           

             Free Online Application

  • As of January 1, 2014 , Florida Borrowers can finance 96.5% of the purchase price and put down only 3.5 percent. In some instances, when combined with other types of loans, the down payment can be zero.

  • Allowable refinance up to 115% of your homes value.

  • Let us help roll your closing costs into your loan total.

 

Florida FHA Rates 1

 
9:00am Eastern
Product Interest Rate APR
Conforming 1and FHA Loans
30-Year Fixed 3.750% 3.925%
30-Year Fixed FHA 3.750% 4.827%
15-Year Fixed 3.000% 3.308%
5-Year ARM 2.250% 3.153%
5-Year ARM FHA 2.500% 3.089%
Larger Loan Amounts in Eligible Areas Conforming and FHA.1
30-Year Fixed 3.875% 4.004%
30-Year Fixed FHA 3.750% 4.775%
5-Year ARM 2.500% 3.195%
Jumbo1 Loans Amounts that exceed conforming loan limits1
30-Year Fixed 4.125% 4.256%
5-Year ARM 2.625% 3.328%

1Important Disclosures >View/ Print

 

Florida FHA Lending Limits

FLORIDA County Single Family 2 Units 3 Units 4 Units
ALACHUA $204,440 $256,248 $309,744 $384,936
BAKER $294,500 $331,700 $403,000 $465,000
BAY $251,750 $283,550 $344,500 $397,500
BRADFORD $200,160 $256,248 $309,744 $384,936
BREVARD $221,350 $256,248 $309,744 $384,936
BROWARD $362,790 $413,695 $502,621 $579,947
CALHOUN $200,160 $256,248 $309,744 $384,936
CHARLOTTE $224,209 $256,248 $309,744 $384,936
CITRUS $200,160 $256,248 $309,744 $384,936
CLAY $294,500 $331,700 $403,000 $465,000
COLLIER $362,790 $427,893 $519,870 $599,850
COLUMBIA $200,160 $256,248 $309,744 $384,936
DE SOTO $200,160 $256,248 $309,744 $384,936
DIXIE $200,160 $256,248 $309,744 $384,936
DUVAL $294,500 $331,700 $403,000 $465,000
ESCAMBIA $200,160 $256,248 $309,744 $384,936
FLAGLER $218,500 $256,248 $309,744 $384,936
FRANKLIN $200,160 $256,248 $309,744 $384,936
GADSDEN $200,160 $256,248 $309,744 $384,936
GILCHRIST $204,440 $256,248 $309,744 $384,936
GLADES $200,160 $256,248 $309,744 $384,936
GULF $200,160 $256,248 $309,744 $384,936
HAMILTON $200,160 $256,248 $309,744 $384,936
HARDEE $200,160 $256,248 $309,744 $384,936
HENDRY $200,160 $256,248 $309,744 $384,936
HERNANDO $222,300 $256,248 $309,744 $384,936
HIGHLANDS $200,160 $256,248 $309,744 $384,936
HILLSBOROUGH $222,300 $256,248 $309,744 $384,936
HOLMES $200,160 $256,248 $309,744 $384,936
INDIAN RIVER $213,750 $256,248 $309,744 $384,936
JACKSON $200,160 $256,248 $309,744 $384,936
JEFFERSON $200,160 $256,248 $309,744 $384,936
LAFAYETTE $200,160 $256,248 $309,744 $384,936
LAKE $268,850 $302,810 $367,900 $424,500
LEE $270,750 $304,950 $370,500 $427,500
LEON $200,160 $256,248 $309,744 $384,936
LEVY $200,160 $256,248 $309,744 $384,936
LIBERTY $200,160 $256,248 $309,744 $384,936
MADISON $200,160 $256,248 $309,744 $384,936
MANATEE $336,100 $378,554 $459,926 $530,684
MARION $200,160 $256,248 $309,744 $384,936
MARTIN $276,640 $311,584 $378,560 $436,800
MIAMI-DADE $362,790 $413,695 $502,621 $579,947
MONROE $362,790 $464,449 $561,411 $697,696
NASSAU $294,500 $331,700 $403,000 $465,000
OKALOOSA $237,405 $267,393 $324,870 $384,936
OKEECHOBEE $200,160 $256,248 $309,744 $384,936
ORANGE $268,850 $302,810 $367,900 $424,500
OSCEOLA $268,850 $302,810 $367,900 $424,500
PALM BEACH $362,790 $413,695 $502,621 $579,947
PASCO $222,300 $256,248 $309,744 $384,936
PINELLAS $222,300 $256,248 $309,744 $384,936
POLK $205,200 $256,248 $309,744 $384,936
PUTNAM $200,160 $256,248 $309,744 $384,936
SANTA ROSA $200,160 $256,248 $309,744 $384,936
SARASOTA $336,100 $378,554 $459,926 $530,684
SEMINOLE $268,850 $302,810 $367,900 $424,500
ST. JOHNS $294,500 $331,700 $403,000 $465,000
ST. LUCIE $276,640 $311,584 $378,560 $436,800
SUMTER $211,375 $256,248 $309,744 $384,936
SUWANNEE $200,160 $256,248 $309,744 $384,936
TAYLOR $200,160 $256,248 $309,744 $384,936
UNION $200,160 $256,248 $309,744 $384,936
VOLUSIA $230,177 $259,252 $314,979 $384,936
WAKULLA $200,160 $256,248 $309,744 $384,936
WALTON $362,790 $409,275 $497,250 $601,692
WASHINGTON $200,160 $256,248 $309,744 $384,936

 

 
 
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