FHA Loans in Ocala & Central Florida
Low down payment and flexible credit guidelines
FHA loans are backed by the Federal Housing Administration and remain one of the most popular paths to homeownership in Ocala and Marion County. With just 3.5% down for qualified buyers, flexible credit guidelines, and generous debt-to-income allowances, FHA financing opens doors for first-time buyers and anyone rebuilding credit. FHA loans can also be combined with Florida down payment assistance programs to reduce upfront costs even further.
What to know about FHA loans
- Only 3.5% down with a qualifying credit score
- Credit scores in the 580s may qualify
- Higher debt-to-income flexibility than most conventional loans
- Can be combined with down payment assistance programs
- Assumable mortgages --- a future buyer may be able to take over your rate
Who fha loans serve best
- First-time homebuyers in Ocala and Marion County
- Buyers with limited savings or past credit challenges
- Buyers who want to pair a loan with down payment assistance
- Anyone who values flexible qualification guidelines
FHA loan questions
Have a question about fha loans? Call or text Loni at 352-598-1843.
All loan programs are subject to qualification, underwriting approval, and program availability.
What is the FHA loan limit in Marion County, Florida?
Does FHA mortgage insurance ever go away?
Explore more programs
Wondering if a fha loan fits you?
Loni will review your situation and compare every program you qualify for --- with real numbers, side by side.