FHA Loan · Jacksonville, FL
FHA Loans in Jacksonville
An FHA loan is a government-backed mortgage with a low down payment and flexible credit requirements, a common path for first-time and credit-building buyers.
Why Jacksonville
A FHA Loan that fits this market
Jacksonville is anchored by a major U.S. Navy presence at NAS Jacksonville and nearby Naval Station Mayport. In a market where the median home value in Duval County is around $303,500, an FHA Loan is one of the ways local buyers get in. We walk Jacksonville buyers through every number.
Why an FHA Loan
What makes it work
Low down payment
As little as 3.5% down for qualifying buyers.
Flexible credit
More forgiving credit guidelines than conventional financing.
Gift-friendly
Down payment and closing costs can come from an eligible gift.
Assistance
Down payment help in Florida
Florida Housing runs down payment assistance and the Hometown Heroes program for eligible buyers. We help Jacksonville buyers pair the right loan with any assistance they qualify for.
Florida Housing down payment assistance · Florida Hometown Heroes program
Good to know
FHA Loan questions, answered
How much down for an FHA loan?
As little as 3.5% for qualifying buyers, and the down payment can be gifted.
Does FHA have mortgage insurance?
Yes, FHA has both an upfront and an annual mortgage insurance premium. We explain the full cost so there are no surprises.
Get started
Start with a conversation.
No pressure, no runaround.
Leave your details and our team reaches out fast, usually within minutes during business hours, to talk through your FHA Loan options in Jacksonville. Or start your full application anytime.
Prefer email? logan@clayhousemortgage.com · Jacksonville, FL