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Your Trusted Realtor in Palm Beach Gardens, Jupiter & Northern Palm Beaches
"Guiding You Home in Jupiter, Palm Beach Gardens, and Beyond"
Your Experienced expert real estate service from neighborhood insight to new home construction and smart investments.
Your FHA Real Estate Buyer's Agent in Palm Beach Gardens
Your Dream Home Is Within Reach – Even With a Low Down Payment
Key FHA Loan Requirements in Palm Beach Gardens
FHA loans are insured by the Federal Housing Administration (FHA), allowing private lenders to offer more accessible terms than conventional loans.
Down Payment: A minimum down payment of 3.5% is required if you have a credit score of 580 or higher. A 10% down payment is required for scores between 500 and 579.
Credit Score: FHA guidelines require a minimum FICO score of 500, but individual lenders may set higher minimums.
Property Requirements: The home must meet FHA health, safety, and structural soundness standards and must be your primary residence.
Mortgage Insurance Premium (MIP): All FHA loans require both an upfront and an annual MIP.
Loan Limits: As of 2023 data, the FHA loan limit for a single-family home in Palm Beach County was $557,750. Limits are updated annually by HUD and can be verified using the HUD website.
Seller Contributions: Sellers can contribute up to 6% of the closing costs, which must be requested in the purchase contract.
Local Down Payment Assistance Programs
Palm Beach County offers programs that can be combined with FHA financing to cover down payments and closing costs:
Palm Beach County Housing Finance Authority (PBCHFA): Offers programs with a 30-year fixed rate mortgage and down payment assistance. These include the "Own a Home Opportunity Program," which provides a soft second mortgage of up to $15,000 at 0% interest, and a non-repayable grant program that does not have a first-time buyer requirement.
Palm Beach County Department of Housing and Economic Development: Has offered significant assistance (up to $100,000 in some cases) to eligible first-time homebuyers through programs like the HOME Investment Partnership.
Finding an FHA-Approved Lender
The FHA provides mortgage insurance, but the loans are originated by FHA-approved private lenders. You can find local lenders in Palm Beach Gardens through:
Searching online for a HUD-approved housing counselor to get advice.
Contacting mortgage brokers and lenders in Palm Beach Gardens who specialize in FHA loans, such as SWBC Mortgage, Prime Mortgage Inc., and CrossCountry Mortgage.
FHA Mortgage Loans - Ideal Lending LLC
How to Qualify for an FHA Loan in Florida. FHA loans are designed with flexible requirements that make them one of the most access Ideal Lending LLC
FHA Loan Limits for Florida in 2025
Lending Limits for FHA Loans in Florida Counties FHA mortgage lending limits in Florida vary based on a variety of housing typesFHA.com
Full List of Florida FHA Loan Requirements
FHA Down Payment Requirement ... , you'll need a minimum credit score of 580. For borrowers with credit scores from 500 to 579, the Space Coast Credit Union
Specializing in FHA Loans for First-Time Buyers and Families Ready to OwnI’m Katherine Johnson, your dedicated FHA loan expert helping buyers across [Your Area] turn homeownership dreams into reality. With FHA financing, you can buy a home with as little as 3.5% down, more flexible credit requirements, and seller-paid closing costs up to 6%. Whether you’re a first-time buyer, have past credit challenges, or limited savings, I’ll guide you every step of the way to find the perfect home that fits your FHA-approved budget.
Get Pre-Approved Today & Start House Hunting
Why Work With an FHA Specialist Like Me?
Not all realtors are the same when it comes to FHA loans. I devote my full attention to buyers and help to navigate the unique FHA process, from appraisals and property requirements to pairing you with trusted FHA lenders. Here’s why buyers choose me as their Realtor:
- Deep FHA Expertise: I know the ins and outs—like finding homes that meet FHA safety standards, handling repair escrows, and maximizing down payment assistance programs.
- Smooth Transactions: FHA deals can have extra steps, but my experience means fewer surprises and faster closings.
- Buyer-Focused Advocacy: I negotiate strongly for you, making your FHA offer competitive in any market.
- Personal Touch: Imagine us celebrating your new keys over coffee... I’m here to make this exciting (and a little flirty) journey fun!
Many of my clients are first-time buyers who thought owning was out of reach. This is why I am here as your buyers Agent Realtor.
FHA Loans Explained Section
What Is an FHA Loan & Why It’s Perfect for You
FHA loans, backed by the Federal Housing Administration, make homeownership accessible:
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Perfect for first-timers, growing families, or anyone ready to stop renting. I’ll connect you with top FHA lenders and explain everything simply.
We make your FHA process seamless, we closed with only 3.5% down!” – Happy First-Time Buyers
Call Today 561-329-2120
Ready to Find Your FHA-Friendly Home? Let’s chat today... no pressure, just honest advice. Tell me your story, and I’ll help you get started.
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Palm Beach Gardens is Florida's golf capital with pristine beaches, upscale shopping at The Gardens Mall, and top-rated schools. Popular communities include:
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Get first class service with Real Estate Agent Katherine Johnson. To make an appointment please fill in our form |
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Ready to Find Your Palm Beach Gardens Dream Home?Contact me today for a free buyer consultation. I'll fight for you every step of the way! |
Call/Text: (561) 329-2120|
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