FHA loans, insured by the Federal Housing Administration, are a popular choice for first-time Florida homebuyers and borrowers rebuilding credit. They allow lower credit scores and smaller down payments than most conventional loans.
FHA loans require just 3.5% down with a 580+ credit score, or 10% down with a 500–579 score. Gift funds are allowed for the entire down payment.
Mortgage insurance (MIP) applies — both upfront (financed into the loan) and monthly. For borrowers who can't yet qualify conventional, FHA often opens the door to homeownership.
Available to qualified Florida borrowers statewide — including Tampa, St. Petersburg, Orlando, Miami, Fort Lauderdale, Jacksonville, Naples, Fort Myers, Sarasota, Gainesville, Tallahassee, and the Panhandle.
Highlights
580 credit score minimum
Below 580, higher down payments make FHA still possible.
3.5% down payment
Gift funds, down-payment assistance, and seller concessions allowed.
Higher DTI tolerance
Debt-to-income limits are more generous than most conventional programs.
Streamline refinance
FHA-to-FHA streamline refinances with reduced documentation.
Apply Now
Apply for your mortgage online
Start your secure online application. It takes about 15 minutes, saves as you go, and lets you upload documents right from your phone or laptop.
Applying does not affect your credit score until you authorize a credit pull. This is not a commitment to lend.
How it works
Our four-step process
A clear, transparent path from first conversation to closing — designed to save you time and remove surprises.
1. Free discovery call
Share your goals, timeline, and situation. Peter listens first — no pressure, no cookie-cutter pitch.
2. Program shopping
We compare programs across our lender and carrier network to identify the best fit for your scenario.
3. Application & underwriting
Clean document intake, straight talk on conditions, and proactive updates so nothing stalls.
4. Close & follow-through
We coordinate closing, then stay available for future refinances, renewals, and referrals.
Why Florida clients choose Witte Mortgage
Independent Florida broker
Not tied to one bank or carrier — we shop the market so your interests come first.
Direct access to Peter
You work with a licensed professional (NMLS #627790), not a call center rep.
Statewide Florida coverage
Tampa Bay to Miami, Jacksonville to the Panhandle — we know local markets.
Transparent, honest quotes
Clear breakdowns of rate, fees, and total cost — no bait-and-switch.
Fast, responsive service
Same-day replies during business hours and evening/weekend flexibility.
Long-term relationship
Most of our business comes from repeat clients and referrals — we play the long game.
FAQs
Frequently asked questions
Can I use FHA for a Florida condo?+
Yes, if the condo project is on the FHA-approved list. We check this before you fall in love with a unit.
Is FHA only for first-time buyers?+
No — anyone meeting the guidelines can use FHA, though occupancy must be as a primary residence.
Residential Lending
Related residential lending programs
Explore other programs in this category — many clients combine or compare options before deciding.
Home Purchase Loans in Florida
Financing for primary residences, second homes, and investment properties.
Learn moreMortgage Refinance in Florida
Rate-and-term and cash-out refinance options.
Learn moreConventional Loans in Florida
Traditional agency-backed home loans for qualified borrowers.
Learn moreVA Loans in Florida
$0-down home loans for veterans, active duty, and eligible spouses.
Learn moreUSDA Loans in Florida
Zero-down financing for eligible rural and suburban areas.
Learn moreJumbo Loans in Florida
Financing above conforming limits for higher-value properties.
Learn moreFHA Loans available across Florida
Peter serves clients statewide. Click any market to start a conversation about your goals.
Schedule a consultation
Ready to talk about residential lending?
Pick a time that works for you. Peter will reach out to discuss your situation and next steps.