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FHA Mortgages

Welcome to Bennett Capital Partners, where we specialize in offering flexible and accessible FHA mortgages to help a wide range of clients achieve their dream of homeownership. As a premier lending institution, we're committed to guiding our clients through the FHA mortgage process with ease and expertise.

Our team of skilled loan officers has extensive experience in the FHA mortgage industry and is licensed to originate FHA mortgages throughout Florida. We take pride in our proficiency, reliability, and trustworthiness, making us a top choice for FHA mortgages.

Whether you're a first-time homebuyer, have a limited down payment, or are looking for a low credit score mortgage option, we have an FHA loan program designed to meet your needs. Our commitment to exceptional customer service, along with cutting-edge technology, ensures a seamless and stress-free application process.

Explore our range of FHA mortgage options, including loans for various property types such as Condominiums, Warrantable Condo Mortgages, and Non-Warrantable Condos. In addition to FHA loans, we also offer a variety of other mortgage programs, including Conventional, JumboNon-QM, VA, and USDA mortgages to cater to diverse financial situations. The FHA Programs allow for lower FICO scores and higher debt-to-income ratios. They also are perfect for first-time homebuyers due to their low downpayment options. 

At Bennett Capital Partners, we strive to help you navigate the FHA mortgage landscape with ease and confidence. Apply Now or Contact us today to discuss your financing needs with our team of experts and take the first step toward securing your dream home.

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Our Expertise in FHA Mortgages

 

At Bennett Capital Partners, we specialize in providing our clients with the best options when it comes to FHA Mortgages. Our team of experts has years of experience in the mortgage industry, and we have developed a reputation for being the go-to mortgage brokerage company in Miami for the best FHA Mortgage rates. Here are some of the reasons why we are the experts in FHA Mortgages:

 

Extensive Network of Lenders

 

As brokers, we work with hundreds of lenders and banks to provide our clients with the widest range of options when it comes to FHA Mortgages. This allows us to find the best interest rates and terms to fit your unique financial situation.

 

Personalized Service

 

At Bennett Capital Partners, we believe in providing our clients with personalized service that meets their specific needs. Our team of experts will work with you one-on-one to understand your financial situation and help you find the best FHA Mortgage program for you.

 

Fast Closing Times

 

We understand that buying a home is a time-sensitive process, which is why we strive to close your FHA Mortgage as quickly as possible. Our streamlined application process and efficient team of experts ensure that you can move into your new home in a timely manner.

 

Competitive Rates

 

Our extensive network of lenders and banks allows us to find the most competitive interest rates for your FHA Mortgage. We work hard to ensure that you get the best deal possible when it comes to your mortgage.

 

Industry Knowledge

 

Our team of experts has extensive knowledge of the mortgage industry and can guide you through the complex process of obtaining an FHA Mortgage. We stay up-to-date on the latest industry trends, regulations, and FHA Loan Requirements and FHA Employment requirements to ensure that our clients receive the best possible service.

Contact us today to learn more about how our expertise in FHA Mortgages can help you achieve your real estate goals in Miami or anywhere else in Florida.

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FHA Mortgage Programs

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Discover helpful tips and tricks on mortgages by reading our blog posts:

 

Understanding The FHA 100 Mile Rule: How It Impacts Your Ability To Get Multiple FHA Loans to learn more about the FHA 100 Mile Rule. Click here to read the full article

Understanding FHA Non-Occupant Co-Borrower Guidelines For Mortgage Loans to learn more about Non-Occupying Co-Borrowers for FHA Mortgages. Click here to read the full article

Best Refinance Rates in Florida: Compare and Find the Perfect Mortgage Deal to learn more about the best practices to get the lowest refinance rates. Click here to read the full article

What Is The Minimum Down Payment On A House, How much down payment is required? to learn more about the current down payment trends and requirements. Click here to read the full article

10 Year Interest Only Mortgage: For Refinances, Purchases, and Investors to learn how you can get  a 10 Year Interest Only Mortgage. Click here to read the full article

Find Out How You Can Own Your Dream Home With The Florida Hometown Heroes Housing Program! to learn how you this program can help make home ownership a reality. Click here to read the full article

Jumbo Loans: Understanding the Factors That Affect Your Interest Rate to learn how you can get the best jumbo loan interest rate. Click here to read the full article

Fix And Flip Loans For Florida to learn more about how this program can help you renovate and flip real estate in Florida. Click here to read the full article

First-time Homebuyer's Guide To Getting A Mortgage to learn more about how first-time homebuyers can get a mortgage with only 3 percent down. Click here to read the full article

 

Condo Loans: Everything You Need To Know to learn more about the Fannie Mae condo project review process. Click here to read the full article

Home Possible® Mortgage Income Limits & Guidelines to learn more about how first-time homebuyers can buy a property with 3 percent down. Click here to read the full article

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FAQ's Federal Housing Administration (FHA) Mortgages

 

What is an FHA mortgage, and how does it work?

 

An FHA mortgage is a type of government-backed mortgage that's designed to help people buy homes with a low down payment and lower credit scores. The Federal Housing Administration (FHA) insures these loans, which allows lenders to offer more flexible terms and lower interest rates.

What are the eligibility requirements for an FHA mortgage?

 

To be eligible for an FHA mortgage, you must have a credit score of at least 500 (with a 10% down payment) or 580 (with a 3.5% down payment). You must also have a debt-to-income ratio of 43% or less and be able to prove steady employment and income.

 

What is the minimum down payment required for an FHA mortgage?

 

The minimum down payment required for an FHA mortgage is 3.5% of the home's purchase price.

 

Can I use an FHA mortgage to buy a fixer-upper property in Miami?

 

Yes, you can use an FHA 203(k) loan to buy a fixer-upper property and finance the cost of renovations into your mortgage.

 

How long does it take to close on an FHA mortgage?

 

The timeline for closing on an FHA mortgage varies depending on a variety of factors, including the lender, the borrower's financial situation, and the complexity of the loan. However, on average, it takes between 30 and 45 days to close on an FHA mortgage.

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What Our Clients Say

Five Stars

Alex S. 

Philip was highly recommended to me and he did not disappoint. He was incredibly helpful and honest throughout the entire process, getting us the best program that matched our needs. We really didn't think we had a chance and luckily Philip …
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