FHA Mortgages

Understanding your financial needs and goals is important to us, and we are committed to securing financing that meets your needs.

Federal Housing Administration Financing

What is an FHA Loan?

An FHA Loan is a home loan that is federally insured by the FHA.  FHA is designed to increase access to home ownership through lower down payment requirements and federally provided mortgage insurance.  FHA has maximum loan limits based upon the home price index for each Metropolitan Statistic Area (MSA).  Orlando MSA max is currently $353,750.  We can determine what the max is for your MSA.  FHA requires that you have a 3.5% down payment.  This can be your own funds or a gift from a family member.  In addition to your down payment, closing costs must be paid for; however, the seller can contribute up to 6% of the purchase price to cover your closing costs.


  • Up to 96.5% LTV Financing
  • NEW! Now Available with 530+ Credit Score
  • First Time Home Buyers OK
  • Maximum Loan Amount  Varies by Metropolitan Statistical Area(MSA)
  • Orlando MSA max loan amount is $274,850 as of 1-1-2014, contact us for your area
  • Must provide proof of Income and Assets
  • Owner Occupied Homes Only



  • FHA provides federal mortgage insurance (MI)
  • MI premium is split between an upfront amount paid at closing and a monthly MI payment
  • The upfront MI premium, also call the FHA Funding Fee, can be financed into the Loan
  • The monthly MI payment is paid as part of your monthly mortgage payment
  • 6% Seller Contributions Allowed to closing costs
  • 30 Year Fixed
  • 15 Year Fixed
  • 5/1 ARM
  • Purchase, Refinance and Cash Out Refi
  • Single Faily Homes, Townhomes, 1-4 Unit Homes (duplex, triplex, quads) and FHA approved Condos
  • See our FHA Streamline page for information on FHA to FHA refinances with NO appraisal required
  • Donwload our FHA FLYER



View Dan Clifton's profile on LinkedIn Follow Us on Twitter
© Clifton Mortgage Services LLC NMLS#854745. All rights reserved.