Welcome to FHA Mortgage Source, a national leading FHA home loan resource. We proudly serve all new home buyers and existing home owners across the nation, including Florida and Georgia: Tampa, Orlando, Jacksonville, Gainesville, Sarasota, Naples, Lakeland, Ocala, Tallahassee, Pensacola, Miami, West Palm Beach, Atlanta and Savannah.

FHA Mortgage Source specializes in  3.5% down payment Federal Housing Administration (FHA) mortgages for first time home buyers and current homeowners. This government insured home financing program is backed by the United States Federal Housing Administration (FHA) and provides a number of homeownership opportunities with minimal down payment required. Started in 1934, the FHA is the largest government insurer of home loans in the US today. The government backed FHA mortgage program is one of the last remaining home loan programs that allow home buyers to purchase a home with little money down.  That’s right, it is still possible to purchase a home with as little as 3.5% down payment! 

Regardless of your mortgage knowledge, FHA Mortgage Source will be happy to assist you. We take the time to answer all your questions and educated you on the advantages of FHA home financing. If you are looking for information on government home loan options, you have come to the right place!

Attention homeowners that currently have an FHA mortgage: Please take a moment to read about recent reductions in FHA mortgage insurance premiums here. These positive changes together with the FHA  streamline refinance program could potentially save you money on your monthly mortgage payments. See the FHA Refinance page above for more information.

Please submit the quick info request form on the right side at anytime if you have questions. We typically respond to all submitted request forms within 15 minutes during regular business hours.

Mobile phone users – please click the blue Info Request icon at the top of your screen, or call ph: 904-302-6060.

So what exactly is an FHA home loan?

The purpose of the Federal Housing Administration (FHA) is to provide mortgage insurance for loans made by FHA approved lenders, banks and mortgage brokers to enhance opportunities for home ownership throughout the U.S. The goal of the FHA loan program is to help our communities expand by making homes more affordable through limited down payment and credit requirements. It is important to note that FHA itself is not a direct lender, but rather a government entity that provides the insurance needed for private lenders to make loans requiring a minimum down payment. In the event of mortgage default, FHA mortgage insurance protects the lender or bank from losses. FHA bridges the gap between FHA lenders and homeowners by providing a new form of financing that provides longer-term affordable mortgages.

Listed below you will find some benefits of the FHA mortgage:

  • FHA home loans require only 3.5% down payment for home purchases – up to 96.5%  financing.
  • FHA offers many flexible refinancing options for existing home owners.
  • FHA home loans are secure and backed by the US Government and have NO prepayment penalty ( You can pay off the mortgage anytime without penalty)
  • Home buyers can use gift funds to help pay for FHA down payment and closing costs expenses.
  • Closing costs can also be paid by the seller of the home, up to 6% concessions from the home seller is allowed.
  • Qualifying for a FHA loan with lower credit scores is possible. *Please note, current min required credit score is 620 for max 96.5% FHA financing* Some borrowers will lower credit score down to 580 can obtain approval with 10% down payment.  
  • FHA home loans are secure fixed rate terms at low market interest rates set by approved lenders, banks and mortgage brokers. FHA interest rates are often lower than conventional loans that require a large down payment.
  • New reduced FHA mortgage insurance (MIP) for 2016.
  • No household income restrictions.
  • FHA home loans are for ANY new & existing single family residence, town home or FHA approved condo.  The property being purchased can be a regular sale, short sale, foreclosure home, etc, that meets HUD standards.  We currently do NOT offer any loans on mobile or manufactured homes.
  • Co-signers and non-occupying home buyers are permitted with the FHA loan program.
  • Great for First Time Homebuyers and  public service workers like Teachers, Firefighters and Police Law Enforcement.
  • No special first time buyer class needed, interested buyers can submit their application and get pre-approved in minutes.

Please note that FHA/HUD also has a special $100 down program for select HUD owned properties throughout the nation. Click the highlighted link to learn more about the HUD 100 down program and to find approved HUD homes for sale in your area.

Please be sure to click the FHA Loan Details page above to learn more about this wonderful Government home loan. FHA financing, historic low interest rates and affordable property values make this a wonderful time to purchase your new home.

If you have questions about the FHA loan qualification or pre-approval requirements, let us help! To expedite your request, please fill out the short info request form on the upper right side of this page. We often respond to all submitted request forms within 15 min.

Mobile smart phone users – please click the blue info request form icon at the top of your screen.

You can also call us 7 days a week/ 9am-8pm at ph: 904-302-6060 See why FHA Mortgage Source is a leading resource for all Government home loans.

Please be sure to visit our FHA News page above for the latest FHA mortgage news and FHA loan Q&A.

Are you a home buyer looking to purchase a home in a more rural location? Please be sure check into the 100% USDA Rural loan here.   Your location could very well be approved for USDA financing. USDA Rural Housing requires NO down payment in qualifying locations nationwide.

Florida FHA Mortgage Source – FHA home loans 7 days week nationwide: including Florida & Georgia: Lakeland, Sarasota, Tallahassee, Gainesville FL, Ocala, Daytona, Deland, Deltona, Winter Garden, Clermont, St. Augustine, Spring Hill, Winter Haven, Plant City, Fort Myers, Lake City, Destin, Fort Walton Beach, Destin, Pensacola, Plant City, Jacksonville, Orlando, Titusville, Kissimmee – St. Cloud, Brandon, Naples, West Palm Beach, Boca Raton, Delray, Bradenton, Lake City, Port Charlotte, Pompano Beach, Vero Beach, Sebring, Fort Myers, St. Lucie FLA, FHA Mortgage Loan Interest Rates  2016

FHA Mortgage Source – FHA Home Loans for all new home buyers, plus existing home owners.

Info Request Form

Questions? let us help. Please submit the short form below for fast service. We serve buyers in all 50 states. NOTE: Manufactured-Mobile homes, land loans or build on own site financing not permitted.
  • This field is for validation purposes and should be left unchanged.