How do I choose an FHA lender in Florida?
Compare quotes using the same home price, down payment, credit profile and lock period. Then compare the complete payment, APR, fees, lender credits, cash needed and lender requirements, not just the rate. I also want to know who is responsible for your file and whether the closing timeline is realistic.
What this actually means.
Things that matter when picking an FHA lender in Florida: 1) FHA overlay stack — some lenders won't fund below a 620 even though FHA technically allows 580; some skip condos that are not on a national approval list even though spot approval may be possible; 2) speed and attention from the lender's account executive or processor; 3) total cost — note rate plus APR plus all fees, not just the rate on the screen; 4) rate-lock policy and any float-down option; 5) appraisal management and how the lender handles Florida condos, manufactured homes, and older properties. Ask for a Loan Estimate before you commit. Subject to underwriting and lender overlays.
What this looks like on a real file.
Where this can move.
Credit score, loan amount, LTV, points, lender credits, lock timing, and market movement can change the rate quoted.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.