Pembroke Pines FHA Loan Solutions with Competitive Terms

Pembroke Pines FHA loan

We specialize in Pembroke Pines FHA home financing.

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

Pembroke Pines FHA Loan Benefits: Affordable Homeownership Starts Here

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

Pembroke Pines FHA Loans for First-Time Homebuyers

Buying your first home in Pembroke Pines? 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 Pembroke Pines 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 Pembroke Pines

On Mortgage: Pembroke Pines FHA Loan Experts

In one of Broward County's largest cities, Pembroke Pines offers a strong mix of affordability, schools, and family-friendly communities—making FHA loans a top choice for first-time buyers in 2025.
FHA home in Pembroke Pines

2025 FHA Loan Limits for Pembroke Pines

Pembroke Pines falls under Broward County, where 2025 FHA limits are:
• Single-family: $557,750
• Duplex: $714,000
• Triplex: $863,100
• Four-unit: $1,072,600

Pembroke Pines FHA neighborhoods

Neighborhood & FHA Access

FHA-friendly neighborhoods include Silver Lakes, Chapel Trail, and Pasadena Lakes. Buyers also find FHA-eligible condos in areas like Century Village and Windmill Lakes—perfect for starter homes or downsizing retirees.

Pembroke Pines home prices FHA snapshot

May 2025 Market Snapshot

The median home price in Pembroke Pines for May 2025 was $520,300, with prices increasing approximately 3.9% year-over-year. Listings typically stay active for 40–55 days, offering solid FHA opportunities across single-family homes and condos alike.

Why Pembroke Pines FHA Loans Make Sense

With strong schools, affordable housing, and a diverse mix of home types, Pembroke Pines continues to attract FHA-qualified buyers seeking long-term value and community.

Top Schools: The city is served by Broward County Public Schools, with high-performing campuses like West Broward High School, Pembroke Pines Charter High, Silver Trail Middle, and Chapel Trail Elementary.

Parks & Amenities: Outdoor lovers enjoy CB Smith Park, Rose Price Park, and the sprawling Chapel Trail Nature Preserve. These green spaces offer playgrounds, water sports, and event venues ideal for families.

FHA Highlights: With FHA loan limits supporting much of the city's inventory, Pembroke Pines remains one of South Florida's most accessible entry points into homeownership. FHA-approved condos and townhomes round out the affordable housing options.

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