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FHA Loan Options
Begin Your FHA Loan Application
An FHA loan is a government-backed mortgage with flexible credit and down payment requirements, designed to help more people achieve homeownership.
About FHA Loans in Florida and Connecticut
An FHA loan can be a great option, especially for first-time homebuyers. It’s important to know the following requirements:
- The property must be the **primary residence**; FHA loans cannot be used for investment properties.
- The property must meet FHA safety and living requirements. An inspection is required to ensure habitability and safety.
Eligibility & Loan Limits
- Minimum credit score to qualify: 580 or higher.
- The down payment required can vary based on other eligibility factors.
- Eligibility is also based on payment history, including any foreclosures, bankruptcies, and timely payments.
2025 FHA Loan Limits for Florida:
- Maximum loan limit for a single-family home: **$524,225**
- Maximum loan limit for a fourplex: **$1,859,950**
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