Buy a Home in Florida — Personal Service from Contract to Close
Whether it's your first home or your fifth, Homesite Mortgage has helped Florida families finance their next move since 1999. Tom Culpepper reviews every prequal personally and follows up within 1 business hour — no call centers, no handoffs to juniors.
A Federal Program Designed to Expand Access
An FHA loan is a mortgage insured by the Federal Housing Administration, a part of the U.S. Department of Housing and Urban Development (HUD). The FHA does not lend money directly — approved lenders like Homesite originate the loan, and the FHA's insurance reduces the lender's risk, which generally allows more flexible underwriting.
Translation: borrowers who might not yet qualify for conventional financing — because of credit history, down payment, or income documentation — sometimes have a path through FHA.
Common FHA Borrower Situations
- First-time buyers who want lower upfront costs and more flexible credit guidelines.
- Borrowers with limited down payment savings — the FHA program permits as little as 3.5% down for qualified borrowers (program minimum, not a Homesite guarantee).
- Buyers rebuilding credit after past financial events.
- Borrowers who don't fit conventional underwriting for income documentation or debt-to-income reasons.
Whether you actually qualify depends on the FHA's current guidelines and your specific situation. Tom will walk through it with you before you spend any time on documentation.
A Few Things Worth Knowing Up Front
Down Payment Flexibility
The FHA program permits down payments as low as 3.5% of the purchase price for qualified borrowers. This is a federal program parameter — your actual qualification depends on the FHA's current standards and your situation.
Mortgage Insurance
FHA loans require mortgage insurance premiums (both upfront and ongoing). This affects your monthly payment compared to a conventional loan. Tom will explain what this looks like for your situation.
Property Requirements
FHA loans have property condition standards. Some homes need repairs to qualify. We'll help you understand whether the home you're considering will meet FHA requirements.
Loan Limits
FHA loan amounts are capped, and the limit depends on the county. Florida limits vary by location and update annually. We'll check the current limit for your target area.
Family-Owned, Florida-Only, 27+ Years In
- 27+ years originating FHA loans for Florida families.
- Licensed statewide. Homesite Mortgage originates loans in Florida only.
- Tom reviews your prequal personally and explains your FHA fit honestly.
- Tracy handles processing and closing — including the documentation FHA requires.
See If an FHA Loan Fits Your Situation
Tom reviews every submission personally and typically follows up within 1 business hour.
Start My Free Prequal →Or call us directly: 321-751-4403 · tcloans1@gmail.com