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fha loans st lucie county florida

At Mortgage Specialists, our goal is to help you achieve your dream of homeownership. A great option that you can use to achieve this goal is a Federal Housing Administration (FHA) Loan due to its lower down payment. It’s also ideal for those with limited savings and imperfect credit.


FHA Loans are insured by the Federal Housing Administration. They are designed for first-time homebuyers, giving them a low down payment option.


Features of FHA Loans

Low Down Payment

FHA Loans help you to save money upfront by paying a down payment as low as 3.5%.


Flexible Rates

FHA Loans offer some of the lowest interest rates on the market today. As well as give you the opportunity to choose from fixed-rate mortgage options or various adjustable-rate mortgages.

Buy or Refinance

You can make use of your FHA loan to buy a new home or to refinance the mortgage that you already have.


What Are The Requirements of FHA Loans?

To qualify for FHA Loans, your credit score must be at least 580 according to the Federal Housing Administration. However, that score can vary by investor or program, so contact us for more information on qualifications. You must also be able to provide a two-year history of employment.

Also, your property must be appraised by an FHA-approved appraiser. You need to be at least two years out of bankruptcy or three years out of foreclosure.


Moreover, you need to pay your mortgage insurance upfront as well as throughout the term of the mortgage.


Why Choose Mortgage Specialists As Your FHA Loan Lender?

As a leading mortgage originator and brokerage firm, Mortgage Specialists is focused on the pressing needs of their clients. Whether you are a first-time homebuyer that needs an FHA Loan or you want to refinance your existing FHA Loan, we have the needed skills and experience to make the whole process hassle-free for you.


Mortgage Specialists is dedicated to helping you actualize your dream of homeownership. We achieve this by providing the right home loan for your specific needs. We also offer competitive rates.


Get in touch with us to learn more about how we can guide you through the FHA loan process with our expert knowledge, competitive rates and top-notch service.

If you've been putting off buying a home because you think you need a big down payment, we should talk. 

Our FHA loans are perfect for home buyers with limited savings and easier to qualify for than you might think.

Just 3.5% down. For less than a few months rent, you could be building equity in a home of your own.

Easy qualification. Our FHA loans are more forgiving when it comes to your past credit.

Fast and worry-free. We close most loans in 30 days or less.  You may even be able to include your closing costs in the mortgage.

Gift funds accepted.  Family members are welcome to help out with your down payment.

Move into your new home for just 3.5% down. Contact us today!
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