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HOME PURCHASE QUALIFIER
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 Rates subject to change without notice

Most Florida Counties FHA Loan Limit for 2026 is $541,287 | Monroe County FHA Loan Limits are higher at $990,150
The Federal Housing Administration sets FHA loan limits on an annual basis.
Check to See your Florida FHA Loan Limit here

FHA Mortgage Rates

FHA Mortgage Programs

An FHA loan is a mortgage that is insured by the Federal Housing Administration. FHA loans usually have less rigorous lending standards and lower down-payment requirements, this makes FHA loans popular with first time home-buyers. FHA is an agency within the U.S. Department of Housing and Urban Development.

See your county FHA Loan Limit here


Why a FHA loan


FHA loan qualification requirements

  • Credit scores as low as 620 may qualify
  • Buy a home with as little as 3.5% down [ primary residence ]
  • Debt to income ratio less than 55%
  • 3 months of payment reserves required
  • Loan amount must be under FHA Mortgage Limits [ check here ]


How an FHA loan works

  • Pay your mortgage at any time without pre-payment penalties
  • 30-, 25-, 20- and 15-year terms are all available with fixed rates
  • 5-year adjustable-rate mortgages are available
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You’ve estimated your affordability, now get pre-qualified by Fidelity Home Group to find out just how much you can borrow.

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FHA 203K Renovation Loan

An FHA 203(k) loan simplifies the home renovation process. FHA 203(k) loans are typically given to buyers who want to purchase a home and perform upgrades, repairs, remodel or customize to their needs and wants.

When your ready to start your FHA loan, we are experts to guide you through the entire process, the first step is getting you pre-approved. You can click on the button below or apply online; if you prefer to speak with one of our Mortgage Experts, we would be happy to speak with you at 888 259 2257.