FHA Loans in Florida

3.5% Down Payment. Government-Backed. Available Across Central Florida. Apply Today.

What is an FHA Loan?

An FHA loan is a mortgage insured by the Federal Housing Administration, designed to help buyers who might not qualify for a conventional loan. With a minimum down payment of just 3.5% (for borrowers with a 580+ credit score), FHA loans are among the most accessible mortgage options available to Florida homebuyers.

At Quality Real Estate Finance LLC, we offer FHA loans throughout Orlando, Kissimmee, Oviedo, Winter Garden, and all of Central Florida. As a Loan Factory broker, we shop 240+ lenders to find you the most competitive FHA rates available — often below what retail banks advertise.

Benefits of FHA Loans in Florida

• Low 3.5% down payment makes homeownership accessible
• More lenient credit score requirements than conventional loans
• Seller can contribute up to 6% toward closing costs
• Down payment can come from gift funds or down payment assistance programs
• Available for primary residences throughout Florida
• Competitive interest rates backed by government insurance

FHA vs. Conventional: Which is Right for You?

FHA loans are ideal if your credit score is below 680, you have limited savings for a down payment, or your debt-to-income ratio is higher than conventional guidelines allow. Conventional loans may be better if you have strong credit and can put 20% down to avoid PMI.

As an Orlando mortgage broker, Tariq AbouAdma will compare both options across 240+ lenders and show you exactly which loan saves you the most money over time.