Fort Lauderdale FHA Loan Solutions with Competitive Terms

Fort Lauderdale FHA loan

We specialize in Fort Lauderdale FHA home financing.

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

Fort Lauderdale FHA Loan Benefits: Affordable Homeownership Starts Here

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

Fort Lauderdale FHA Loans for First-Time Homebuyers

Buying your first home in Fort Lauderdale? 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 Fort Lauderdale 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 Fort Lauderdale

On Mortgage: Your Fort Lauderdale FHA Loan Expert

At On Mortgage, we specialize in FHA loans for first-time buyers and families in Fort Lauderdale. From beachfront neighborhoods to downtown condos, our local knowledge gives you the competitive edge in Broward County’s dynamic market.
FHA home in Fort Lauderdale

2025 Fort Lauderdale FHA Loan Limits

Fort Lauderdale falls within Broward County, where 2025 FHA loan limits are:
• Single-family: $654,350
• Duplex: $837,700
• Triplex: $1,012,550
• Four-unit: $1,258,400

FHA condo loan Fort Lauderdale

FHA Financing in Fort Lauderdale

With just 3.5% down and flexible credit options, FHA loans enable buyers to access condos near Las Olas Boulevard, homes in Victoria Park, and waterfront properties in Lauderdale Isles.

FHA approval in Fort Lauderdale

April 2025 Market Snapshot

The median sale price in Fort Lauderdale is approximately $538,100, a 5.6% decrease year-over-year. Homes stay on the market for about 97 days, creating strategic buying opportunities for FHA applicants.

Why Choose On Mortgage for Your Fort Lauderdale FHA Loan

Local insights, fast pre-approvals, and tailored FHA guidance set our team apart in the Fort Lauderdale market.
  • 3.5% down FHA loans with flexible credit criteria
  • Assistance finding FHA‑approved condos on Las Olas, Marina Mile, or high-rise neighborhoods
  • Neighborhood tours: Victoria Park, Lauderdale Isles, Coral Ridge, and Downtown
  • School zone guidance for Taravella High, Sunrise Middle, Bayview Elementary
  • Parks & amenities: Hugh Taylor Birch State Park, Colee Hammock Park, Riverwalk Fort Lauderdale
From condos to family homes, On Mortgage ensures your FHA loan aligns with Fort Lauderdale’s lifestyle and values.
Fort Lauderdale FHA mortgage support

Apply Now for a Fort Lauderdale FHA Loan with On Mortgage

Dreaming of a home in Fort Lauderdale? From beachside condos to family homes inland, start your FHA loan journey now with our local specialists.

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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