FHA Loans In Tampa

Our FHA Loan Benefits In Tampa:

* 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 buyer Loans Tampa
* FHA Loan from 3.5% Down, HomeReady 3% Down

Tampa’s Best FHA Loan Lender 


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

FHA Lender In Tampa Florida

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

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 Tampa Florida. 

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

Benefits of Purchasing A Home With An FHA Home Loan in Tampa Florida

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FHA Home Loans In Tampa 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.

FHA Loan Q&A Everything You Wanted To Know about FHA Loan

For FHA loans, we know that the waiting period is either two years (Chapter 7) or twelve months (Chapter 13). If you’re planning on taking out a conventional loan, you’ll have a four-year waiting period unless you can show extenuating circumstances. If you’re looking to get a VA loan, you’ll need to wait two years after Chapter 7 or one year after Chapter 13. For a USDA loan, you’ll need to wait three years after Chapter 7 or one year after Chapter 13.


Bankruptcy does not automatically disqualify a borrower from receiving an FHA loan Florida. 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 plan.

Charge-off accounts are not included in borrowers’ debt.


For non-medical collection accounts when the cumulative outstanding balance is greater than $2,000 borrower may either pay-off the balance or, for the purpose of debt-to-income ratio (DTI), provide proof of a payment plan. If neither are an option, the lender must use 5% of the outstanding balance and include it in the borrower’s DTI calculation.


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


Borrowers with delinquent tax debt are ineligible unless currently in payment plan.


Borrowers with delinquent tax debt are ineligible unless currently in repayment plan. Repayment plan tax liens are not required to be paid in full if documentation is provided indicating the borrower is in a valid payment plan.

The following is required:

  1. The borrower must have made a minimum of 3 months of scheduled payments and documentation of the payments is required.
  2. The payment must be included in the DTI / Debt to income calculation.
  3. The borrower cannot prepay the payments to meet the 3-month payment requirement NOTE: Borrowers with delinquent taxes may or may not have a tax lien. Borrowers currently in a repayment plan, and the IRS has not filed a tax lien, are not required to meet the minimum 3-month payment requirement. The payment to the IRS will be included in the DTI calculation.

Foreclosure waiting period is measured from the date of title transfer. Three (3) years must have elapsed from the time title transferred. If the foreclosed loan was an FHA loan, the 3-year waiting period is based on the date the FHA claim was paid (e.g. foreclosure 11/12/14, FHA claim dates was 7/12/15, the 3-year waiting period ends 7/13/18).

Borrowers with foreclosure/Deed in Lieu within 3 years of case number assignment that was due to documented extenuating circumstances may be eligible if the borrower has re-established good credit since the foreclosure. A downgrade to manual underwriting is required. If the foreclosure was included in the bankruptcy, the foreclosure waiting period still applies. HUD treats the foreclosure and Bankruptcy  independently, not as a single event.

The three-year waiting period from date of title transfer still applies unless they were current at the time on short sale. Speak to your loan officer for specifics. 


The Maximum debt-to-income (DTI) ratio varies based on overall credit history and assets.  Typically, the DTI cannot exceed 45% of the borrower’s gross income.  However, in some cases borrowers with as high as 54.9% DTI may be eligible and in other cases borrowers may be capped at 43% DTI. Due to our volume size we can allow for higher DTI which enables you to receive a higher loan amount even if you have significant debt. 


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.

The Maximum debt-to-income (DTI) ratio varies based on overall credit history and assets.  Typically, the DTI cannot exceed 45% of the borrower’s gross income.  However, in some cases borrowers with as high as 54.9% DTI may be eligible and in other cases borrowers may be capped at 43% DTI. Due to our volume size we can allow for higher DTI which enables you to receive a higher loan amount even if you have significant debt. 



Tampa is a city on Tampa Bay, along Florida’s Gulf Coast. A major business center, it’s also known for its museums and other cultural offerings. Busch Gardens is an African-themed amusement park with thrill rides and animal-viewing areas. The historic Ybor City neighborhood, developed by Cuban and Spanish cigar-factory workers at the turn of the 20th century, is a dining and nightlife destination.

Schools in Tampa, FL

Hillsborough County Public Schools
901 E Kennedy Blvd · +1 813-272-4000

Phillip Shore School
1908 E 2nd Ave · +1 813-276-5712

Plant High School
2415 S Himes Ave · +1 813-272-3033

fha loan tampa

Why to Live in Tampa, FL? – Tampa is a great place to live and work. Tampa, Florida’s cost of living is 5% lower than the national average. Local amenities such as grocery stores, restaurants, entertainment venues and parks are within an easy walk or short drive for most Tampa residents. In fact, Tampa has earned an A+ rating for its amenities. Not just Tampa, we are serving all of FHA Loan Florida market.

First Time Home Buyers In Tampa Florida

Things To Do In Tampa Florida

  • Busch Gardens Tampa Bay (African-themed amusement park & zoo)
  • The Florida Aquarium (Over 20,000 aquatic animals & plants)
  • ZooTampa at Lowry Park (Lauded zoo with interactive exhibits)
  • Adventure Island (Outdoor water theme park on 30 acres)
  • Tampa Museum of Art (Contemporary & classical works)
  • Museum of Science & Industry (Hands-on exhibits & a butterfly garden)

VA Loans In Tampa Florida - No Money Down Home Loan

Non-QM Loans-Best Business Owner Loans

Some of the best place to purchase a home in Tampa with an FHA home loan

  1. South Tampa: This area is known for its historic charm, tree-lined streets, and proximity to downtown Tampa. South Tampa neighborhoods like Hyde Park, Palma Ceia, and Davis Islands offer a mix of historic and modern homes.

  2. New Tampa: This area, located in the northeastern part of Tampa, is known for its newer developments, master-planned communities, and good schools. It’s an attractive option for families.

  3. Westchase: Westchase is a well-planned suburban community with a mix of housing options, shopping centers, parks, and golf courses. It’s known for its family-friendly environment.

  4. Channelside: If you prefer urban living, Channelside is a downtown Tampa neighborhood with modern condos and apartments. It’s close to the waterfront, Amalie Arena, and various entertainment options.

  5. Seminole Heights: This is an up-and-coming neighborhood known for its bungalows and historic homes. It’s popular among those who appreciate a sense of community and local businesses.

  6. Ybor City: If you’re looking for a unique, historic, and vibrant neighborhood, Ybor City offers a blend of old and new with a strong Latin and cultural influence.

  7. Riverview: Located to the southeast of Tampa, Riverview offers a suburban lifestyle with newer developments, shopping centers, and easy access to major highways.

  8. Brandon: Just east of Tampa, Brandon is a well-established suburb with a variety of housing options and amenities.

When considering a neighborhood, take into account factors such as your commute, proximity to schools, safety, amenities, and your personal preferences for urban or suburban living. Additionally, work with a local real estate agent who is knowledgeable about the Tampa housing market. They can help you find a home that fits your budget and meets your specific criteria while also guiding you through the FHA home loan application process. Remember that FHA loans are designed to help first-time homebuyers and those with lower credit scores, making them a good option for many prospective homeowners.

Our FHA Loan Rates Are Low & Our Process is Quick & Painless

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.

We’re here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

The FHA Loan Process

Here’s how our home loan process works:

  • Complete our simple FHA Loan Qualifier
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

FHA Loan Tampa

FHA Loans In Tampa – CambridgeHomeLoan.com Mortgage Corporation –
Local Mortgage Company – Serving Tampa’s FHA Mortgage Needs Since 1997.

Tampa Florida mortgage financing is booming. With more people moving to Tampa and more housing going up the loan options are often confusing.

CambridgeHomeLoan.com has offices in Tampa Florida. We are familiar with all of the loan products available today. From government financing, to conventional, jumbo and non qm loans. One of the best products for first time home buyers in Tampa is the FHA Loan. 

CambridgeHomeLoan.com  has put together a large network of local appraisers, title companies, attorneys, insurance agents and other professional services to assist you in putting together a powerful team for your FHA Loan needs. 

Our Tampa mortgage bankers are all fully licensed professionals with extensive experience in both purchase and refinance channels.  

Click below for more information on FHA mortgages in Tampa!

Maximum FHA Loan Limits by County

FHA Loan Benefits

Conventional Vs FHA – Should I Get an FHA Loan?

Addtional Resources
Condo Loans in Tampa
FHA Mortgage in Tampa
VA Loans in Tampa
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Refinance Tampa Florida
FHA Streamline Refinance Tampa FL
VA Streamline Refinance Tampa FL
Commercial Loans Tampa FL
Bad Credit Mortgage Tampa FL
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Contact a Tampa Mortgage Expert at 800-826-5077 orAPPLY Here!