FHA Home Loan Program
St. Pete Beach fLorida
We are proud on being St. Pete Beach Florida’s #1 FHA loan lender. We help borrowers in St. Pete Beach 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!
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FHA Loan St. Pete Beach 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 St. Pete Beach Florida. Use this application to pre-qualify and start shopping for your new home in St. Pete Beach 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 St. Pete Beach
- Low down payment with a minimum of 3.5% down payment
- Lower credit scores. Down to 550 to for 10% down payment
- VA Loan with No down payment required - No money down home loan!
- For First Time Home Buyer's, FHA provides a guarantee loans to the lender who is actually extending the loan on an FHA loan.
- To apply for an FHA loan, you'll need to provide your Social Security number, two years of tax returns and employment verification.
- Simple Application and Approval Process. Hit Apply Now and get qualified today!
About St. Pete Beach Florida – St. Pete Beach is a Florida resort city set on a barrier island, west of St. Petersburg. It’s known for its beaches. A 1928 landmark, the pink Moorish-style Don CeSar Hotel looms over the shore. The Pass-A-Grille area offers galleries, shops and the Gulf Beaches Historical Museum, which displays postcards and other artifacts in a 1917 church. Nearby, boats depart to Shell Key, a nesting site for seabirds and turtles.
St. Pete Beach FL Housing Market Insights- There are 81 active homes for sale in St. Pete Beach, FL. You may also be interested in single family homes and condo/townhomes for sale in popular zip codes like 33706, 33707, or three bedroom homes for sale in neighboring cities, such as Tampa, Bradenton, Clearwater, Gulfport, Largo.
Why to Live in St. Pete Beach, FL? – Considered a great place to live, the area is popular for boating, fishing, golfing, and other watersports. Compared to living in the neighboring city of Tampa, St. Petersburg has a better atmosphere in terms of nightlife, restaurants, and its close proximity to beaches. Not just St. Pete Beach, 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 | Single | Duplex | Tri-plex | Four-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 St. Pete Beach Florida
- Upham Beach Park (Wide, white sandy beach with dunes)
- Pass-a-Grille Beach (Low-key beach with water sports)
- Gulf Beaches Historical Museum (History museum in a 1917 church)
- Florida Orange Groves Winery (Winery, sparkling wine, wine and wine tasting)
- Saint Pete Beach, FL (Beach famed for white sand & dolphins)
- St. Pete Beach (White sandy barrier island beach)
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