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Amount you want to borrow*

Type of credit

FHA Loan

An FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan which is provided by a FHA-approved lender. FHA insured loans are a type of federal assistance and have historically allowed lower income borrowers to obtain mortgage for the purchase of a home that they would not otherwise be able to afford. Grate program for first time home buyers that allows 96.5% Loan- to-Value

To obtain mortgage insurance from the Federal Housing Administration, an upfront mortgage insurance premium (UFMIP) equal to 1.75 percent of the base loan amount at closing is required, and is normally financed into the total loan amount by the lender and paid to FHA on the borrower’s behalf. There is also a monthly mortgage insurance premium (MIP) which varies based on the amortization term and loan-to-value ratio.

FHA loan limits apply to each county, please CLIK HERE to look up the FHA or GSE mortgage limits for one or more areas, and list them by state, county, or Metropolitan Statistical Area.

Loan Amount LTV Type Credit Score Reserves
$345,000 96.5% One-Family 580 N/A
$441,650 96.5% Two-Family 580 N/A
$533,850 96.5% Three-Family 580 N/A
$663,450 96.5% Four-Family 580 N/A

Property Type:

Income Docs:

  • Two years W-2’s, 1099, K-1, 1040 and 1065 or 1120 for Self – Employed with ownership 25% plus
  • Last two paystubs and Profit and Loss Statement for Self – Employed


  • Two Month Bank Statements ( All large deposits must be sourced )
  • 401K – IRA etc.
  • Stocks and Bonds


  • Minimum 580

This is not a commitment to lend, each applicant and borrower must be approved by the lender or investor. All terms and rates are subject to change with out notice. Please call our office to get pre-qualified.


20200 W Dixie Hwy Suite 1104

Aventura, FL 33180

Call Center:

Tel: 800-373-0812

Fax: 305 692-3000

Business Hours:

Mon - Fri 9:00am - 5:00pm

Weekends Closed