We are proud on being Sarasota Florida’s #1 FHA loan lender. We help borrowers in Sarasota to qualify for the best FHA loan program to meet their borrowing requirements. FHA loans are popular of their low down payments and lower credit requirements. FHA loans starting with just 3.5% down payment!

GET YOUR FREE PREQUALIFICATION LETTER

FHA Loan Sarasota 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 Sarasota Florida. Use this application to pre-qualify and start shopping for your new home in Sarasota today! Purchase, Refinance, Cash Out Refinance.

The FHA along with Fannie Mae provide the best loans for first time home buyers. 

Benefits of Purchasing A Home With FHA Home Loan in Sarasota

About Sarasota Florida – Sarasota is a city south of Tampa on Florida’s Gulf Coast that was once the winter home of the Ringling Brothers Circus. Today, it hosts a number of cultural institutes, notably the Ringling Museum of Art, which showcases old masters and modern art. It’s also the gateway to miles of beaches with fine sand and shallow waters, such as Lido Beach and Siesta Key Beach.

Sarasota FL Housing Market Insights- Homes for sale in Sarasota, FL have a median listing home price of $450,000. There are 1904 active homes for sale in Sarasota, FL, which spend an average of 51 days on the market. Some of the hottest neighborhoods near Sarasota, FL are Rotonda Lakes, Rotonda Heights, Lido Key, Arlington Park, Section 65. You may also be interested in single family homes and condo/townhomes for sale in popular zip codes like 34242, 34243, or three bedroom homes for sale in neighboring cities, such as Bradenton, Venice, North Port, Englewood, Palmetto.

fha loan sarasota

Why to Live in Sarasota, FL?Beautiful beaches, warm weather, and enviable recreational and cultural amenities earn Sarasota a spot on “best of” lists almost every year. In 2020, U.S. News and World Report honored the city as the best place to live in the U.S. for retirees, naming superb restaurants and shopping among its many attractions. Not just Sarasota, we are serving all of FHA Loan Florida markets.

FHA Limits for 2022 – Call to find out your counties and how to buy if your purchase price is higher!

Lending Limits for FHA Loans in FLORIDA counties

FHA mortgage lending limits in FLORIDA vary based on a variety of housing types and the cost of local housing. FHA loans are designed for borrowers who are unable to make large down payments.

COUNTY


SingleDuplexTri-plexFour-plex
ALACHUA County Florida GAINESVILLE Florida

$420,680

$538,650

$651,050

$809,150

BAKER County Florida JACKSONVILLE Florida

$432,400

$553,550

$669,100

$831,550

BAY County Florida PANAMA CITY Florida

$420,680

$538,650

$651,050

$809,150

BRADFORD County Florida NON-METRO

$420,680

$538,650

$651,050

$809,150

BREVARD County Florida PALM BAY-MELBOURNE-TITUSVILLE Florida

$420,680

$538,650

$651,050

$809,150

BROWARD County Florida MIAMI-FORT LAUDERDALE-POMPANO BEACH Florida

$460,000

$588850$711800$884600
CALHOUN County Florida NON-METRO $420680$538650$651050$809150
CHARLOTTE County Florida PUNTA GORDA Florida $420680$538650$651050$809150
CITRUS County Florida HOMOSASSA SPRINGS Florida $420680$538650$651050$809150
CLAY County Florida JACKSONVILLE Florida $432400$553550$669100$831550
COLLIER County Florida NAPLES-MARCO ISLAND Florida $552000$706650$854200$1061550
COLUMBIA County Florida LAKE CITY Florida $420680$538650$651050$809150
DESOTO County Florida ARCADIA Florida $420680$538650$651050$809150
DIXIE County Florida NON-METRO $420680$538650$651050$809150
DUVAL County Florida JACKSONVILLE Florida $432400$553550$669100$831550
ESCAMBIA County Florida PENSACOLA-FERRY PASS-BRENT Florida $420680$538650$651050$809150
FLAGLER County Florida DELTONA-DAYTONA BEACH-ORMOND BEACH Florida $420680$538650$651050$809150
FRANKLIN County Florida NON-METRO $420680$538650$651050$809150
GADSDEN County Florida TALLAHASSEE Florida $420680$538650$651050$809150
GILCHRIST County Florida GAINESVILLE Florida $420680$538650$651050$809150
GLADES County Florida NON-METRO $420680$538650$651050$809150
GULF County Florida NON-METRO $420680$538650$651050$809150
HAMILTON County Florida NON-METRO $420680$538650$651050$809150
HARDEE County Florida WAUCHULA Florida $420680$538650$651050$809150
HENDRY County Florida CLEWISTON Florida $420680$538650$651050$809150
HERNANDO County Florida TAMPA-ST. PETERSBURG-CLEARWATER Florida $420680$538650$651050$809150
HIGHLANDS County Florida SEBRING-AVON PARK Florida $420680$538650$651050$809150
HILLSBOROUGH County Florida TAMPA-ST. PETERSBURG-CLEARWATER Florida $420680$538650$651050$809150
HOLMES County Florida NON-METRO $420680$538650$651050$809150
INDIAN RIVER County Florida SEBASTIAN-VERO BEACH Florida $420680$538650$651050$809150
JACKSON County Florida NON-METRO $420680$538650$651050$809150
JEFFERSON County Florida TALLAHASSEE Florida $420680$538650$651050$809150
LAFAYETTE County Florida NON-METRO $420680$538650$651050$809150
LAKE County Florida ORLANDO-KISSIMMEE-SANFORD Florida $420680$538650$651050$809150
LEE County Florida CAPE CORAL-FORT MYERS Florida $420680$538650$651050$809150
LEON County Florida TALLAHASSEE Florida $420680$538650$651050$809150
LEVY County Florida GAINESVILLE Florida $420680$538650$651050$809150
LIBERTY County Florida NON-METRO $420680$538650$651050$809150
MADISON County Florida NON-METRO $420680$538650$651050$809150
MANATEE County Florida NORTH PORT-SARASOTA-BRADENTON Florida $420680$538650$651050$809150
MARION County Florida OCALA Florida $420680$538650$651050$809150
MARTIN County Florida PORT ST. LUCIE Florida $431250$552050$667350$829350
MIAMI-DADE County Florida MIAMI-FORT LAUDERDALE-POMPANO BEACH Florida $460000$588850$711800$884600
MONROE County Florida KEY WEST Florida $710700$909800$1099750$1366750
NASSAU County Florida JACKSONVILLE Florida $432400$553550$669100$831550
OKALOOSA County Florida CRESTVIEW-FORT WALTON BEACH-DESTIN Florida $539350$690450$834600$1037200
OKEECHOBEE County Florida OKEECHOBEE Florida $420680$538650$651050$809150
ORANGE County Florida ORLANDO-KISSIMMEE-SANFORD Florida $420680$538650$651050$809150
OSCEOLA County Florida ORLANDO-KISSIMMEE-SANFORD Florida $420680$538650$651050$809150
PALM BEACH County Florida MIAMI-FORT LAUDERDALE-POMPANO BEACH Florida $460000$588850$711800$884600
PASCO County Florida TAMPA-ST. PETERSBURG-CLEARWATER Florida $420680$538650$651050$809150
PINELLAS County Florida TAMPA-ST. PETERSBURG-CLEARWATER Florida $420680$538650$651050$809150
POLK County Florida LAKELAND-WINTER HAVEN Florida $420680$538650$651050$809150
PUTNAM County Florida PALATKA Florida $420680$538650$651050$809150
SANTA ROSA County Florida PENSACOLA-FERRY PASS-BRENT Florida $420680$538650$651050$809150
SARASOTA County Florida NORTH PORT-SARASOTA-BRADENTON Florida $420680$538650$651050$809150
SEMINOLE County Florida ORLANDO-KISSIMMEE-SANFORD Florida $420680$538650$651050$809150
ST. JOHNS County Florida JACKSONVILLE Florida $432400$553550$669100$831550
ST. LUCIE County Florida PORT ST. LUCIE Florida $431250$552050$667350$829350
SUMTER County Florida THE VILLAGES Florida $420680$538650$651050$809150
SUWANNEE County Florida NON-METRO $420680$538650$651050$809150
TAYLOR County Florida NON-METRO $420680$538650$651050$809150
UNION County Florida NON-METRO $420680$538650$651050$809150
VOLUSIA County Florida DELTONA-DAYTONA BEACH-ORMOND BEACH Florida $420680$538650$651050$809150
WAKULLA County Florida TALLAHASSEE Florida $420680$538650$651050$809150
WALTON County Florida CRESTVIEW-FORT WALTON BEACH-DESTIN Florida $539350$690450$834600$1037200
WASHINGTON County Florida NON-METRO $420680$538650$651050$809150

Things To Do In Sarasota Florida

  • The John and Mable Ringling Museum of Art (Antiquities to modern works on display)
  • Siesta Key Beach (Fine white sand that stays cool)
  • Mote Marine Laboratory & Aquarium (Aquarium starring stingrays & sharks)
  • Marie Selby Botanical Gardens Downtown Sarasota campus (Green oasis along Sarasota Bay)
  • Sarasota Jungle Gardens (10 acres of gardens & exotic animals)
  • Lido Key Beach (Concessions, picnic areas & a pool)

 

 

 

 

 

 

 

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