FHA Loan In

Clearwater Florida FHA Loan Benefits:

* Only 3.5% Down Payment
* Low interest rates
* Fast Closing – As fast as 17 Days
* If you have not purchased a house in 3yrs or
* Best for first time home buyers
* FHA Home Loan from 3.5% Down, 
* HomeReady 3% Down Clearwater home loan

* Best Loan for first time home buyers


FHA Loan in Clearwater Florida – Florida’s #1 FHA loan lender. We help borrowers in Clearwater to qualify for the best FHA home loan program to meet their borrowing requirements. FHA home loan starting with just 3.5% down payment. Apply today!

FHA Loan Clearwater Florida

CambridgeHomeLoan.com provides FHA loans for purchases, refinancing and cash out refinancing.

FHA Loan Eligibility Requirements:

  • A FICO credit mid score of at least 580 for a 3.5% down home loan
  • A credit score of 500 to 579 for a 10% down payment
  • FHA loan with 3.5% down payment requirement
  • Mortgage insurance offsets the lower FHA interest rates than a conventional loan.
  • FHA Debt to income ratio of 50% or less

Qualify for a 3.5% down FHA Home Loan in Clearwater Florida. Use this application to pre-qualify and start shopping for your new home in Clearwater today! Purchase, Refinance, Cash Out Refinance.

Benefits of Purchasing A Home With FHA Home Loan in Clearwater

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Claearwater FHA Home Loans Are Easy As 1-2-3

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I am shopping for a home and would like to pre-qualify for my price range.


A Clearwater Florida FHA loan is a mortgage insured by the Federal Housing Administration (FHA), which is part of the U.S. Department of Housing and Urban Development (HUD). These loans are designed to help homebuyers, especially those with lower credit scores and smaller down payments, to become homeowners.

  • FHA loans are available to both first-time and repeat homebuyers. Eligibility depends on factors such as credit score, income, and employment history. You should check with an FHA-approved lender in Clearwater to determine your eligibility.

A Bankruptcy does not automatically disqualify a borrower from receiving an FHA loan. If your bankrupcy was discharged 2 years ago you may be eligible today for an FHA loan program. If you bankruptcy was discharged less than two years ago and you have extenuating circumstances you might still be eligible to qualify.  You can find out more by applying here!.   Same rule applies for borrower with chapter 13 bankruptcy.

A chapter 13 has some different requirements as a chapter 13 bankruptcy may still qualify if the  lender is willing to do a manual underwriting and the borrower has a satisfactory history of payments under their Ch 13 pla.


Borrowers with student loans that are in deferment or not fully amortized will be required to calculate 1% of the outstanding balance as minimum monthly payment that will be added in their debt-to-income ratio (DTI) calculation.

Delinquent child support must be paid current or in a payment plan.



About Clearwater Florida- Clearwater is a city in Florida’s Tampa Bay area known for sunny weather and gulf coast beaches. Clearwater Beach, on a barrier island, is a 3-mile stretch of white sand backed by hotels and restaurants. Injured dolphins and sea turtles are rehabilitated at the Clearwater Marine Aquarium. At the city’s Spectrum Field, the Phillies pro baseball team plays spring training games.

Schools in Clearwater, FL

Paul B. Stephens School
2935 Co Rd 193 · +1 727-725-7982

Countryside High School
3000 FL-580 · +1 727-725-7956

Pinellas Gulf Coast Academy
2235 NE Coachman Rd · +1 727-474-88

Why to Live in Clearwater, FL? – Clearwater is a beautiful city located on the Gulf of Mexico. Moving here is a great choice because the city has many outdoor activities, a reasonable cost of living, and warm weather all year long. However, you should consider some of the cons of living in the area as well. Not just Clearwater, we are serving all of FHA Loan Florida market.

First Time Home Buyers Clearwater

Things To Do In Clearwater Florida
  • Clearwater Marine Aquarium (Exhibits, education & dolphin encounters)
  • Caladesi Island (Tranquil, scenic state park for kayaking)
  • Honeymoon Island State Park (Shelling, swimming, fishing & hiking)
  • Sand Key Park (White-sand beach with picnic areas)
  • Florida Botanical Gardens (Acres of formal gardens & natural areas)
  • Fred Marquis Pinellas Trail (Popular urban park & recreation trail)

VA Loans Clearwater -Best for military zero down

Non-QM Loans Clearwater-Best for business owners


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