Miramar FHA Loan Solutions with Competitive Terms

Miramar FHA loan

We specialize in Miramar FHA home financing.

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

Miramar FHA Loan Benefits: Affordable Homeownership Starts Here

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

Miramar FHA Loans for First-Time Homebuyers

Buying your first home in Miramar? 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 Miramar 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 Miramar

On Mortgage: Miramar FHA Loan Experts

Looking to buy your first home in Miramar? On Mortgage specializes in FHA loans that make homeownership more accessible for families, professionals, and first-time buyers across Broward County.
FHA home in Miramar

2025 FHA Loan Limits for Miramar

Miramar falls within Broward County's FHA limits for 2025:
• Single-family: $621,000
• Duplex: $794,650
• Triplex: $960,150
• Four-unit: $1,193,150

FHA homes and condos in Miramar

Homes & FHA Access

Miramar features FHA-eligible neighborhoods such as Silver Shores, Monarch Lakes, and Riviera Isles. These areas offer townhomes, condos, and single-family homes well-suited for FHA financing—many with gated security and community amenities.

Miramar FHA housing snapshot

May 2025 Market Snapshot

As of May 2025, the median sold price in Miramar is $530,000, with homes staying on the market an average of 45 to 65 days. Price stability and modern housing make FHA loans a strategic fit here.

Why Choose FHA Loans in Miramar?

FHA loans are ideal for buyers in Miramar thanks to low down payment requirements and flexible credit qualifications.

Top Schools: Everglades High School, Sunset Lakes Elementary, Miramar High School, and Somerset Academy.

FHA-Friendly Communities: Gated neighborhoods like Vizcaya and Nautica frequently include FHA-compliant listings with updated amenities.

Local Parks & Recreation: Miramar Regional Park and Snake Warrior's Island Natural Area offer athletic fields, nature trails, and playgrounds—perfect for families and first-time buyers alike.

Frequently Asked Questions - FHA Loans



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.

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.

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.

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.

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.

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.

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 RatonBoynton BeachCape CoralClearwaterCoral SpringsDavieDaytona BeachDeerfield BeachDoralFort LauderdaleHallandale BeachHialeahHollywoodHomesteadJacksonvilleKendallLauderdale LakesMiamiMiami BeachMiramarOrlandoParklandPembroke PinesPine HillsPlantationPompano BeachPort Saint LucieSaint PetersburgSunriseTallahasseeTampaWest Palm BeachWeston