Boca Raton FHA Loan Solutions with Competitive Terms

Boca Raton FHA loan

We specialize in Boca Raton FHA home financing.

At OnMortgage, we help Boca Raton homebuyers secure FHA loans designed for flexibility and affordability. Whether you have limited credit, minimal savings, or are purchasing your first home, an FHA loan could be the ideal solution.

On Mortgage is a leading Boca Raton mortgage broker, offering direct access to a wide network of FHA-approved lenders. Unlike local banks that only offer their own limited programs, we compare multiple lending options to find the best match for your credit profile, down payment, and long-term goals—often resulting in lower rates, reduced fees, and better loan terms.

Let OnMortgage guide you through the FHA loan process with expert support from pre-approval to closing—and be sure to check today's Boca Raton FHA loan rates to explore your options.

Boca Raton FHA Loan Benefits: Affordable Homeownership Starts Here

FHA loans remain one of the most accessible mortgage options for homebuyers in Boca Raton, offering low down payments, flexible credit guidelines, and competitive interest rates. Whether you’re purchasing your first home or returning to the market after a financial setback, an FHA loan can help make homeownership more achievable.

At On Mortgage, we specialize in guiding clients through the Boca Raton FHA loan process. We stay current with FHA program updates and partner with approved lenders to help you lock in favorable terms. If you’re looking for a government-backed loan with built-in flexibility, an FHA loan in Boca Raton may be the right fit—let us walk you through the options and simplify the process from start to finish.

Boca Raton FHA Loans for First-Time Homebuyers

Buying your first home in Boca Raton? FHA loans are a popular choice for first-time buyers thanks to low down payments, flexible credit requirements, and government backing. With as little as 3.5% down, you can start building equity while keeping more cash in your pocket.

At On Mortgage, we specialize in guiding Boca Raton first-time homebuyers through the FHA loan process. From pre-approval to closing, our expert team makes it simple to qualify, find the right property, and secure affordable monthly payments tailored to your budget.

First-time homebuyer using FHA loan in Boca Raton

On Mortgage: Your Boca Raton FHA Loan Expert

At On Mortgage, we specialize in FHA loans for first-time buyers and growing families across Boca Raton. From downtown Mizner Park to West Boca neighborhoods, our local team understands the home values, school zones, and parks that matter most. Let us help you navigate your FHA options with expert support tailored to the Boca market.
FHA home in Boca Raton

2025 Boca Raton FHA Loan Limits

As of January 2025, FHA loan limits in Palm Beach County are set at $524,225 for single-family homes. This gives buyers financing power in many of Boca Raton's desirable neighborhoods, including Timbercreek, Boca Falls, and Boca Del Mar, where home prices are competitive but still FHA-accessible.

FHA condo loan Boca Raton

FHA Condo Loans in Boca Raton

Condominiums remain a popular choice for first-time buyers in Boca Raton. FHA loans can be used in select FHA-approved buildings such as Mizner Park Towers and Boca Bayou. These condos offer walkable access to shops, restaurants, and parks—with down payments as low as 3.5% and flexible credit requirements.

FHA approval in Boca Raton

Why FHA Loans Matter in Today's Market

In May 2025, the median sale price in Boca Raton was approximately $635,111, according to local market data. Some neighborhoods, like Boca Raton Square, reached median prices near $778,000. FHA financing offers first-time buyers a way to get into the market with affordable terms, especially in family-friendly areas close to top schools and parks.

Why Choose On Mortgage for Your Boca Raton FHA Loan

From fast pre-approvals to neighborhood-specific guidance, On Mortgage helps Boca Raton families find the best path to homeownership.
  • Low 3.5% down payment and flexible credit guidelines
  • Help locating FHA-approved condos like Boca Bayou and Mizner Park Towers
  • Local market insight on areas like Boca West, Addison Reserve, and Mission Bay
  • Focus on top-rated school zones such as Addison Mizner Elementary and Spanish River High
  • Neighborhood tours with park access info for Sugar Sand Park, Red Reef, and Spanish River Park
Wherever you're buying in Boca—from West Boca to East of Federal Highway—On Mortgage is your trusted FHA resource.
Boca Raton FHA mortgage support

Apply Now for a Boca Raton FHA Loan with On Mortgage

Get started with a Boca Raton FHA loan today. Whether you're buying a home near top schools or investing in your first condo near Mizner Park, On Mortgage can guide you from pre-approval through closing. Talk to a local specialist now.

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Frequently Asked Questions - FHA Loans



What is an FHA loan?

An FHA loan is a mortgage insured by the Federal Housing Administration (FHA), a government agency. This insurance protects lenders against losses, making them more willing to offer loans to borrowers with lower credit scores or smaller down payments.

Am I eligible for an FHA loan? What are the basic requirements?

Eligibility for an FHA loan generally requires:

• A minimum credit score of 580 for a 3.5% down payment
• A down payment as low as 3.5% of the purchase price.
• A stable employment history, typically for the past two years.
• The property must be your primary residence.
• Debt-to-income (DTI) ratios generally around 43%, though FHA allows for higher ratios in some cases with compensating factors.

Do FHA loans have income limits?

No, FHA loans do not have specific income limits for borrowers. Your eligibility is based on your ability to qualify for the loan, primarily through your credit score, DTI, and stable income.

Do I have to be a first-time home buyer to get an FHA loan?

No. While FHA loans are very popular with first-time home buyers due to their flexible requirements, anyone who meets the eligibility criteria can obtain an FHA loan, regardless of their past homeownership status.

What kind of properties can I buy with an FHA loan?

FHA loans can be used to purchase single-family homes, multi-unit properties (up to four units, if you occupy one), condominiums, and some manufactured homes, provided they meet FHA's minimum property standards and are appraised by an FHA-approved appraiser.

What are FHA loan limits?

FHA loan limits are the maximum loan amounts permitted for FHA-insured mortgages. These limits vary by county and property type and are updated annually. For 2025, the "floor" for a single-unit home in most areas is $524,225, while the "ceiling" in high-cost areas can be up to $1,209,750. However, Miami – Fort Lauderdale and Pompano Beach are $654,350 for one-family, $837,700 for two-family, $1,012,550 for three-family and $1,258,400 for four-family. Please check with your local mortgage broker.

What are FHA loan limits?

FHA loan limits are the maximum loan amounts permitted for FHA-insured mortgages. These limits vary by county and property type and are updated annually. For 2025, the "floor" for a single-unit home in most areas is $524,225, while the "ceiling" in high-cost areas can be up to $1,209,750. However, Miami – Fort Lauderdale and Pompano Beach are $654,350 for one-family, $837,700 for two-family, $1,012,550 for three-family and $1,258,400 for four-family. Please check with your local mortgage broker.

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We Serve the Entire State of Florida

At On Mortgage, we proudly provide mortgage solutions to homebuyers and investors throughout Florida. Here are some of the cities we serve near Miami, but we aren’t limited to these locations:

• Boca Raton • Boynton Beach • Cape Coral • Clearwater • Coral Springs • Davie • Daytona Beach • Deerfield Beach • Doral • Fort Lauderdale • Hallandale Beach • Hialeah • Hollywood • Homestead • Jacksonville • Kendall • Lauderdale Lakes • Miami • Miami Beach • Miramar • Orlando • Parkland • Pembroke Pines • Pine Hills • Plantation • Pompano Beach • Port Saint Lucie • Saint Petersburg • Sunrise • Tallahassee • Tampa • West Palm Beach • Weston