Florida Homes Mortgage
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Buy a house with as little as 3% down. Perfect for first-time buyers and those with limited down payment funds.
An FHA loan allows you to buy a house with as little as 3% down, instead of the higher percentages required to secure many conventional loans. Taking advantage of the FHA loan program is a great way for first-time buyers, or anyone with a shortage of down payment funds, to buy a home.
The FHA does not make home loans — it insures them. If a home buyer defaults, the lender is paid from the insurance fund. To get an FHA home loan, you'll need to have a good credit history and sufficient income to qualify for the loan.
For an FHA loan, your monthly housing costs (PITI — Principal, Interest, Taxes, Insurance) should not exceed 29% of your gross monthly income. Your total monthly costs (PITI + long-term debt) should be no more than 41% of your gross monthly income.
Maximum PITI: $3,000 × 29% = $870
Maximum Total Monthly Costs: $3,000 × 41% = $1,230
Allowed for Long-Term Debt: $1,230 - $870 = $360
Note: FHA ratios are more lenient than conventional loans (26-28% PITI, 33-36% total).
Must show you meet your obligations
Ability to pay monthly debt
At closing — as little as 3%
2-3% of home price (attorney, title, insurance, PMI, origination fees)
Down payment less than 3% of sales price. 100% financing options available.* Gifts allowed for down payment and closing costs.
No minimum FICO score requirements. Home purchase allowed 2 years after bankruptcy, 3 years after foreclosure.
Higher debt ratios allowed. Less than 2 years on the job is acceptable. Self-employed individuals welcome.
Seller can credit up to 6% of sales price toward buyer's closing costs.
FHA finances more single-family real estate homes than most other types of properties combined. The basic single-family FHA loan is called a FHA 203(B) mortgage loan.
Key Facts:
With as little as 3% down and flexible credit guidelines, FHA loans make homeownership possible for millions of Americans.
Let me help you find the best loan program for your situation — FHA, Conventional, VA, or USDA.
"We had lower credit scores and thought we couldn't buy a home. Miguel recommended an FHA loan and got us approved with a small down payment. We're now proud homeowners thanks to him!"
"Miguel explained all the FHA loan benefits — low down payment, flexible credit requirements, competitive rates. He made the process simple and we closed in 30 days. Best decision ever!"
"As first-time buyers, we qualified for an FHA loan with only 3.5% down. Miguel found us a great rate and guided us through every step. We never thought owning a home would be this achievable."
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