Get Approved for an FHA Loan—Faster, Easier, and with Lower Costs!
Lower Down Payments: Qualify with as little as 3.5% down, making homeownership more affordable.
Fast Pre-Approval: Get pre-approved quickly so you can shop with confidence.
Better Interest Rates: We help secure the most competitive FHA loan rates available.
Streamlined Process: Our experts handle paperwork and guide you every step of the way.
Credit-Friendly Options: Flexible credit requirements make approval easier.
Low Closing Costs: We negotiate better terms to keep more money in your pocket.
Find Your Perfect Mortgage Match – Let’s Get Started!
Start with our Mortgage Approval Tool!
Home Purchase
Ready to buy? Get pre-approved in minutes and secure competitive rates tailored to your budget. Whether you’re a first-time buyer or upgrading, we’ll help you close faster.
Home Refinance
Slash your monthly payments or tap into your equity with flexible refinancing options. Rate-and-term, cash-out, or FHA streamline—we’ve got your best deal.
Home Equity
Need funds for renovations, debt consolidation, or emergencies? Access up to 90% of your home’s value with low rates and tax-deductible interest
Reverse
Age 62+? Keep ownership, stay in your home, and access tax-free cash. No monthly payments required—ever. FHA-insured and risk-free.
What Is an FHA Loan in Florida and How Does It Work?
An FHA loan in Florida is a government-backed mortgage insured by the Federal Housing Administration (FHA). Because of this insurance, lenders can offer more flexible credit requirements and lower down payments compared to conventional loans.
Key Features:
Low down payment: as little as 3.5%
Flexible credit requirements
Competitive interest rates
Mortgage insurance required
Available for primary residences only
Who Should Consider an FHA Loan?
First-time homebuyers
Borrowers with credit scores 500+
Buyers with limited savings
Individuals with past credit challenges
FHA Loan Requirements in Florida
To qualify for an FHA mortgage in Florida, you need to meet these requirements:
Credit Score
Minimum: 580 for 3.5% down
500–579: 10% down
Debt-to-Income Ratio
Typically below 43%, though some lenders allow exceptions
Employment & Income
Stable employment history (usually 2 years)
Verifiable income
Ability to repay the loan
Property Requirements
Must be your primary residence
Must meet FHA safety and appraisal standards
Mortgage Insurance
FHA loans require mortgage insurance premiums (MIP)
Your Trusted Texas Partner for FHA Home Financing
FHA loans offer a reliable path to homeownership, specifically designed to help first-time buyers and those with lower credit scores secure affordable, stress-free financing.
Flexible approval guidelines • Lower down payment options
How to Qualify for an FHA Loan in Florida
Step-by-Step FHA Qualification Process
Check Your Credit Score: Aim for 580+
Calculate Debt-to-Income Ratio: Typically below 43%
Save for a Down Payment: 3.5% minimum
Verify Income and Employment: Stable work history
Choose an FHA-Approved Lender: Experienced lenders improve approval chances
Start with our Mortgage Approval Tool!
FHA vs Conventional Loan in Florida
| Feature | FHA Loan | Conventional Loan |
|---|---|---|
| Minimum Down Payment | 3.5% | 3–20% |
| Credit Score Requirement | 580+ | 620+ |
| Mortgage Insurance | Required | May be removable |
| Approval Flexibility | Easier | Stricter |
FHA Loan Limits in Florida for 2026
| Property Type | Estimated FHA Loan Limit |
|---|---|
| 1 Unit | $498,257 |
| 2 Units | Higher limit |
| 3 Units | Higher limit |
| 4 Units | Highest limit |
Our Service Commitment
Get Expert Advice every time from a licensed loan officer with a suite of products to choose from.
Our team strives to deliver excellence. Contact us day or night with any mortgage questions—we’re here when you need us.
Working with us or just thinking of it, we will always be honest and transparent. No sales targets means way better service!
No Hidden Fees: We believe in clear and upfront communication about all costs associated with your mortgage.
Tailored Solutions: Our advisors work closely with you to find mortgage solutions that are customized to your financial situation.
Available When & Where
You Want!
Across multiple states, our licensed loan officers will help you from application to funding and beyond.
We work on your schedule. With streamlined technology and dedicated support staffing, your mortgage request is always our priority!
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Meet Our Team
Angle Ogbele
Natasha Staplowski
Darnell Smith
Arlan Zuberi
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RateShop Mortgage LLC is a licensed mortgage broker in FL and TX.
In accordance with federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, or age (provided you have the capacity to enter into a binding contract), nor do we discriminate because any part of your income is derived from public assistance programs, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The Federal Trade Commission, Equal Credit Opportunity Division, Washington, DC 20580, is the federal agency responsible for administering these laws.
TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705
TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.
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