FHA Loans

Low Down Payment. Flexible Credit. Real Possibility.

FHA loans help you get into a home — even if your credit isn’t perfect or your savings aren’t huge. Let’s see if it’s the right fit for you in West Volusia, Seminole County, and beyond.

FHA loans are backed by the Federal Housing Administration and built for buyers who need a little flexibility.

Whether you’ve had credit hiccups, limited savings, or just want an easier entry into homeownership, this could be the key to your place in DeLand, Deltona, or Altamonte Springs.

How it works

Step 1

We review your income, credit, and home goals.

Step 2

We explain what FHA loans allow — and how they differ from conventional loans.

Step 3

You provide a few documents, and we handle the rest.

Step 4

We match you with FHA-friendly lenders and rates.

Step 5

You move forward confidently — with support all the way through closing.

Who It's For

  • First-time buyers with lower credit scores


  • Buyers with limited savings for a down payment


  • Anyone who’s had a past foreclosure or bankruptcy



  • Renters ready to move forward but unsure how

FHA Loan FAQs

  • What credit score do I need for an FHA loan?

    Typically, a 580 score qualifies for the 3.5% down option, though some lenders may work with scores as low as 500 with a higher down payment.

  • Can I use gift funds for my down payment?

    Yes! FHA loans allow gifts from family, employers, and other approved sources — which makes it easier to gather your down payment.

  • Is mortgage insurance required?

    Yes, FHA loans include mortgage insurance (MIP), which helps protect the lender. We’ll show you how it impacts your monthly payment.

  • Can I buy a fixer-upper with an FHA loan?

    Yes — the FHA 203k loan allows you to finance both the home and the repairs in one loan.

  • Are FHA loans only for first-time buyers?

    Nope. FHA loans are available to anyone who qualifies, regardless of whether it’s your first home or your fifth.

Why Acceptance Mortgage Solutions?

We simplify FHA loans without watering them down. We’ll give you the real pros, the real limitations, and the smartest path forward based on your situation. Plus, with deep knowledge of the Volusia and Seminole County markets, we tailor every option to where you are — and where you’re going.


Benefits You Can Expect


  • Down payments as low as 3.5%
  • Flexible credit requirements
  • Competitive interest rates
  • Options to roll in renovation costs (FHA 203k)
  • Strong support from our local lending team
An elderly woman in an apron is standing in a greenhouse.

Ready to take the next step?

From Deltona to Longwood, FHA loans are helping real people become homeowners every day. Let’s see if you’re next.