The Best 2024 West Palm Beach FHA Mortgage Programs
Click your score!
Calculate your West Palm Beach Home Loan Payment
640 + Fico Score Home Loans
Having a 640 credit score allows for homebuyers to qualify for a majority of programs available across the U.S.A. The popular West Palm Beach FHA home loan was introduced in 1934. The program features lower down payment options and easier qualifications for new and repeat homebuyers. Another Government program strictly for Veteran’s was introduced in 1944, the West Palm Beach VA home loan allows for certain service members to buy a home with no money down even with lower credit scores. Another favorite of ours, the USDA home loan created in 1991 offers the no money down option. Last but not least a homebuyer favorite the forgivable West Palm Beach FHA homebuyer grant. With over 26 years of experience our experts are here to answer your questions. We will have you pre-approved and ready to shop in minutes.
Get Pre-Approved Now
(640 Credit Score Required)
FHA Loan Benefits
- Buy with 3.5% Down
- 640 Credit Qualifies for a Grant to Cover Down Payment
- Easier Credit Qualifications
- Extremely Loan Rates for Home Buyers
USDA Loan Benefits
- Buy with No Money Down
- Streamlined credit approval for scores above 640
- Look Up Eligible USDA Areas Here
- Extremely Loan Rates for USDA Home Buyers
FHA Grant Benefits
- Grant is completely forgiven
- Grant can be used for down payment
- Not required to be first time home buyers
- Keep your down payment money in the bank
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
West Palm Beach is Eligible for FHA Home Buyers
Popular FHA Cities for New Home Buyers
- Cypress Quarters FL FHA Home buyer Programs
- Lake Harbor FL FHA Home buyer Programs
- Ocean Ridge FL FHA Home buyer Programs
- Chipley FL FHA Home buyer Programs
- Sweetwater FL FHA Home buyer Programs
- Palm Valley FL FHA Home buyer Programs
- Tiger Point FL FHA Home buyer Programs
- Lake Wales FL FHA Home buyer Programs
- Lake Clarke Shores FL FHA Home buyer Programs
- Interlachen FL FHA Home buyer Programs
620 + Fico Score Home Loans
Having a 620 credit score allows new West Palm Beach homebuyers many options. The FHA offers amazing rates even with less than perfect credit. Even better the FHA offers buyers the option to buy with a 3.5% down payment. Don’t have a down payment, no worries we offer a private West Palm Beach FHA grant program. The West Palm Beach FHA grant program requires a minimum 620 credit score. The programs don’t stop there, Even with a 620 credit score we have more options. The USDA home loan and the West Palm Beach VA home loan are also available. The USDA mortgage allows for home buyers to purchase with NO money down. Understand the average qualifying credit score is 640 but our 2024 guidelines allow for manual underwriting. A manual approval will need to be completed by an underwriter and is not guaranteed. Last but not least our West Palm Beach VA Military home loan is another NO money down option for those who serve the USA, the greatest country on earth.
Get Pre-Approved Now
(620 Credit Score Required)
FHA Loan Benefits
- Buy with 3.5% Down
- 620 Credit Qualifies for a Grant to Cover Down Payment
- Easier Credit Qualifications
- Extremely Loan Rates for Home Buyers
USDA Loan Benefits
- Buy with No Money Down
- 620 credit scores will need manual approval by underwriting
- Look Up Eligible USDA Areas Here
- Extremely Loan Rates for USDA Home Buyers
FHA Grant Benefits
- Grant is completely forgiven
- Grant can be used for down payment
- Not required to be first time home buyers
- Keep your down payment money in the bank
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
Areas Near West Palm Beach are Eligible for USDA Loans
Popular areas that may be Eligible for USDA Home Buyers
580 Fico Score Home Loans
Having a 580 plus credit score will allow West Palm Beach home buyers a few great options. The FHA offers amazing rates even with less than perfect credit. With a 580 credit score a down payment of 3.5% will be needed. The down payment can come as a gift. Another great options for lower credit scores is our West Palm Beach VA Military home loan. Veteran’s can qualify with a 580 credit score and NO money down.
Get Pre-Approved Now
(580 Credit Score Required)
FHA Loan Benefits
- Buy with 3.5% Down
- Gift funds excepted for down payment
- Easier Credit Qualifications
- Extremely Loan Rates for Home Buyers
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
West Palm Beach is Eligible for Veteran Home Programs
Popular Cities for Veteran Home Buyers
- Best VA Loans in Jacksonville, Florida
- Best VA Loans in Miami, Florida
- Best VA Loans in Tampa, Florida
- Best VA Loans in Orlando, Florida
- Best VA Loans in St Petersburg, Florida
- Best VA Loans in Hialeah, Florida
- Best VA Loans in Port St Lucie, Florida
- Best VA Loans in Tallahassee, Florida
- Best VA Loans in Cape Coral, Florida
- Best VA Loans in Fort Lauderdale, Florida
560 Fico Score Home Loans
560 plus credit scores allow home buyers a few great options. The FHA offers amazing rates even with less than perfect credit. With a 560 credit score a down payment of 10 - 20% will be needed. The down payment can come as a gift. Another great option for lower credit scores is our VA Military home loan. Veteran’s can qualify with a 560 plus credit score.
Get Pre-Approved Now
(560 Credit Score Required)
FHA Loan Benefits
- Buy with 10 - 20% Down
- Gift funds excepted for down payment
- Easier Credit Qualifications
- Extremely Loan Rates for Home Buyers
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
500 Fico Score Home Loans
With 500 plus credit scores options are still available for home buyers. The West Palm Beach FHA program is still available for home buyers, understand you will need a larger down payment, usually 10 - 20% The down payment can come as a gift. Another great option for lower credit scores is our West Palm Beach VA Military home loan. Veteran’s can qualify with a 500 plus credit score. Keep in mind a 500 plus credit score is a higher risk for lenders, this means it will be underwritten manually by an underwriter.
Get Pre-Approved Now
(500 + Credit Score Required)
FHA Loan Benefits
- Buy with 10 - 20% Down
- Gift funds excepted for down payment
- Easier Credit Qualifications
- Extremely Low Rates for Home Buyers
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
Hundreds of 5 Star Reviews!
West Palm Beach is a city in and the county seat of Palm Beach County, Florida, United States.[6] It is located immediately to the west of the adjacent Palm Beach, which is situated on a barrier island across the Lake Worth Lagoon. The population was 117,415 at the 2020 census. West Palm Beach is a principal city of the Miami metropolitan area, which was home to 6,138,333 people in 2020.[7] It is the oldest incorporated municipality in the South Florida area, incorporated as a city two years before Miami in November 1894. West Palm Beach is located approximately 68 miles (109 km) north of Downtown Miami.