Why do some sellers dislike FHA offers?
Two reasons: (1) the FHA appraisal can flag repairs the seller has to fix, and (2) the perceived risk of a slower or condition-driven close.
Plain-English explanation
On well-maintained homes, neither is a real issue. On older homes with deferred maintenance, FHA's appraisal rules can trigger required repairs that VA and FHA face but conventional doesn't.
What can change the answer?
Florida insurance premiums, property tax millage and exemptions, HOA dues, CDD fees, county loan limits, and condo approval status can change the answer.
Want the real answer for your file?
FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.
More FHA questions on Florida
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.