Find FHA Loan Specialists in Winter Haven, FL
Browse fha loan specialists serving Winter Haven, Florida. Contact information and addresses listed below.
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the
State Mortgage Licensing Authority of Florida before hiring.
Showing 16 fha loan specialists in Winter Haven, FL
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An FHA loan specialist in Winter Haven, Florida helps homebuyers navigate Federal Housing Administration insured loans. These specialists understand Florida specific condominium approval rules and the state's homestead exemption laws. They guide borrowers through credit requirements, down payment assistance programs, and the unique closing process in Polk County.
What Does a FHA Loan Specialist in Winter Haven Cost?
Typical costs for an FHA loan in Florida include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus an annual premium of 0.55 to 0.85 percent. Closing costs in Winter Haven generally range from 2 to 5 percent of the purchase price. Appraisal fees are around $500 to $700, and lender origination fees vary from 0.5 to 1.5 percent. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What credit score do I need for an FHA loan in Winter Haven?
The standard FHA minimum credit score is 580 for a 3.5 percent down payment. A score between 500 and 579 may qualify with a 10 percent down payment. Florida law does not impose a higher state minimum, but individual lenders may set their own requirements.
Are there Florida specific FHA loan limits for Winter Haven?
Yes. FHA loan limits vary by county. For Polk County in 2025, the standard FHA loan limit for a single family home is typically around $498,257. High cost area adjustments may apply if the property is in a designated expensive market.
What is the Florida homestead exemption and how does it affect my FHA loan?
Florida offers a homestead exemption that reduces the taxable value of your primary residence by up to $50,000. This exemption does not directly affect FHA loan approval, but it lowers your property taxes, which can improve your debt to income ratio and make qualification easier.