FHA Blog

FHA loan guides for Florida buyers

Clear, practical answers to the questions Florida FHA buyers ask most — from credit and gift funds to appraisals and removing mortgage insurance.

FHA Guide

FHA Appraisal in Florida: What It Checks and What to Expect (2026)

What does an FHA appraisal check in Florida? Learn how FHA appraisals work, the minimum property requirements, common issues, and how they differ from a home inspection.

FHA Guide

FHA Credit Score Requirements: What Florida Buyers Need to Know (2026)

What credit score do you need for an FHA loan in Florida? Learn the 580 and 500 thresholds, how DTI and compensating factors work, and how to qualify with lower credit.

FHA Guide

FHA Gift Funds in Florida: Rules for Your Down Payment (2026)

Can you use gift money for an FHA down payment in Florida? Yes — here are the FHA gift fund rules, who can give, the gift letter, and how to document it correctly.

FHA Guide

How to Get an FHA Loan in Florida: Step-by-Step (2026)

A step-by-step guide to getting an FHA loan in Florida in 2026 — from pre-approval and finding a home to the appraisal, underwriting, and closing.

FHA Guide

How to Remove FHA Mortgage Insurance in Florida (2026)

Want to get rid of FHA mortgage insurance? Learn your options in Florida — the 11-year rule, refinancing to conventional at 20% equity, and how to decide if it's worth it.

FHA Guide

Self-Employed? How to Qualify for an FHA Loan in Florida (2026)

Self-employed FHA loans in Florida are absolutely possible. Learn what documentation you need, how income is calculated, and tips to qualify as a business owner.