Clearwater FHA Loan Solutions with Competitive Terms

Clearwater FHA loan

We specialize in Clearwater FHA home financing.

At OnMortgage, we help Clearwater 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 Clearwater 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 Clearwater FHA loan rates to explore your options.

Clearwater FHA Loan Benefits: Affordable Homeownership Starts Here

FHA loans remain one of the most accessible mortgage options for homebuyers in Clearwater, 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 Clearwater 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 Clearwater may be the right fit—let us walk you through the options and simplify the process from start to finish.

Clearwater FHA Loans for First-Time Homebuyers

Buying your first home in Clearwater? 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 Clearwater 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 Clearwater

On Mortgage: Your Clearwater FHA Loan Expert

At On Mortgage, we provide FHA loan solutions for first-time buyers and families across Clearwater. From the Gulf coast to neighborhoods near downtown, our local team understands the market, school zones, and lending advantages that matter most in Pinellas County.
FHA home in Clearwater

2025 Clearwater FHA Loan Limits

Clearwater is located in Pinellas County, where 2025 FHA loan limits are set at $524,225 for single-family homes. This makes FHA financing accessible in many Clearwater neighborhoods, including Coachman Ridge, Greenbriar, and Skycrest.

FHA condo loan Clearwater

FHA Condos and Single-Family Homes

FHA loans can be used for approved condos near Clearwater Beach and in walkable areas like Downtown and Island Estates. Buyers can qualify with as little as 3.5% down and take advantage of FHA's flexible credit standards.

FHA approval in Clearwater

Clearwater Market Snapshot – May 2025

The median home value in Clearwater is approximately $354,313, with homes typically going under contract in around 30 days. For first-time buyers, FHA loans provide an affordable entry point into a market with strong demand and coastal appeal.

Why Choose On Mortgage for Your Clearwater FHA Loan

We specialize in helping families and new buyers navigate Clearwater's real estate market with confidence and clarity.
  • 3.5% down FHA loans with flexible credit guidelines
  • FHA-approved condos near Clearwater Beach and Island Estates
  • Neighborhood guidance for areas like Feather Sound, Coachman Ridge, and Greenbriar
  • School zone support for Belleair Elementary, Clearwater High, and Countryside High
  • Local amenities like Coachman Park, Edgewater Park, and the Clearwater Marine Aquarium
From the Intracoastal to inland neighborhoods, On Mortgage is your FHA expert in Clearwater.
Clearwater FHA mortgage support

Apply Now for a Clearwater FHA Loan with On Mortgage

Ready to buy your first home in Clearwater? Let our FHA specialists help you get started with a low down payment and expert local guidance.

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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.

Our Reviews

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