Primary residence · Florida

FHA loans

A government-backed loan built for lower down payments and more flexible credit. A practical path to a Florida home, especially for first-time buyers.

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Lower down payment · Flexible credit · 203(k) renovation option

First-time buyers reviewing their options for a Florida home

Who this fits

Is an FHA loan
right for you?

FHA loans are insured by the Federal Housing Administration, which lets lenders offer lower down payments and more flexible credit. If most of these sound like you, it is worth a conversation.

You are buying or refinancing a home you will live in, in Florida.
You want a lower down payment than a conventional loan usually asks for.
Your credit is still building, or has a few blemishes you are working through.
You are a first-time buyer and want a straightforward, well-worn path.
You are eyeing a home that needs work and want to fold repairs into one loan with FHA 203(k).

At a glance

Key parameters

The shape of the program in plain terms. Exact numbers depend on the lender and your profile.

Loan type

A government-backed loan insured by the Federal Housing Administration, originated through an FHA-approved lender.

Down payment

Lower than most conventional loans typically require. The exact minimum depends on the lender and your profile.

Credit

More flexible than conventional guidelines, with no perfect-credit requirement. Specific score thresholds vary by lender.

Mortgage insurance

FHA loans carry mortgage insurance, both an upfront premium and an annual premium. Whether and when it can be removed depends on the loan.

Renovation option

FHA 203(k) lets you finance the purchase and eligible repairs in a single loan.

Loan purpose

Purchase, rate-and-term refinance, or FHA streamline refinance where eligible.

Occupancy

Primary residence only. As a broker, Ease Mortgage originates FHA loans through FHA-approved lenders.

Where available

Owner-occupied home loans are available in Florida. See licensing and where we lend.

Page owner: MaryAnn Sigurdson, NMLS #2371921

Where we lend

FHA loans across Florida

FHA is for the home you live in, so it follows the Florida licence. Where in Florida you buy changes one thing only: the county loan limit.

Licensed in

Florida. MaryAnn Sigurdson holds Florida licence NMLS #2371921 and can originate an FHA loan anywhere in the state, from Pensacola to Key West.

Areas buyers ask about

Orlando and Central Florida, Tampa Bay and St. Petersburg, Jacksonville, Miami, Fort Lauderdale and West Palm Beach, Naples and Fort Myers, the Space Coast and Treasure Coast, Ocala and Gainesville, Tallahassee and the Panhandle.

How it works

Most of an FHA loan happens by phone, email and video, so your county does not change how it runs or how quickly it closes.

County loan limits

The FHA loan limit, the most FHA will insure on a home, is set per county and revised each year. Ask MaryAnn for the current limit where you are buying; she will confirm it against HUD's published figure rather than a number that may have moved.

Outside Florida

Owner-occupied home loans, FHA included, are Florida only. Business-purpose loans for real estate investors are a separate footprint: see investor loans and licensing and where we lend.

How an FHA loan comes together

Talk it through

Your budget, your timeline, and the home you have in mind. No paperwork required to start.

Get pre-approved

MaryAnn reviews your situation and comes back with a clear pre-approval and what it costs.

Choose your structure

Down payment, term, and whether a 203(k) renovation loan fits, each explained in plain terms.

Close on schedule

She coordinates lender, title, and agent so closing day is the easiest step, not the hardest.

Questions

FHA, answered

The questions buyers ask most about FHA loans. Anything else, just call or text.

What is an FHA loan?

An FHA loan is a mortgage insured by the Federal Housing Administration and originated through an FHA-approved lender. It is designed for lower down payments and more flexible credit, which makes it a common path for first-time buyers.

How much do I need for a down payment?

FHA loans allow a lower down payment than most conventional loans. The exact minimum depends on the lender and your profile, and MaryAnn will give you the real number for your situation.

Do FHA loans require mortgage insurance?

Yes. FHA loans carry mortgage insurance, both an upfront premium and an annual premium. Whether it can later be removed depends on the specific loan, and MaryAnn will explain the trade-offs before you commit.

What is an FHA 203(k) loan?

A 203(k) loan lets you finance a home purchase and eligible repairs or renovations in a single loan, rather than paying for the work separately after closing.

Can I use an FHA loan if my credit is not perfect?

Often, yes. FHA guidelines are more flexible than conventional ones, and there is no requirement for perfect credit. The first conversation is about finding what fits your profile, not a sales pitch.

Where are FHA loans available?

Home loans for a house you will live in are available in Florida, where Ease Mortgage is licensed. Ask about your situation in the first conversation.

Free consultation and resources

Find your path home.

Call or text MaryAnn directly, or schedule a time that works for you. Bring your questions; leave with a clear plan.