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Laura Hepworth
800 Village Square Crossing
Suite 307 
Palm Beach Gardens, FL 33410
561 346-6723
800 579-7810



We are a full service real estate brokerage firm. The real estate market is always changing and it is important that you choose the right REALTOR. I have over 20 years of experience as a residential real estate agent. As a Listing Broker for Sage Aqcuisitions we market the HUD owned residential Real Estate Owned Properties in our area. Please feel free to reach out to us if you need more information about purchasing a HUD owned home.

Whether it is your first purchase or you are an experienced investor, I will make sure that you experience a smooth process. I have extensive experience negotiating for both the buyer and the sellers. I have first hand knowledge of the values in the communities in my area. I can help you to correctly value your home. This is an important first step when making a decision about selling your home. Please feel free to contact me.

I look forward to helping you whether it is looking for a your first home or finding the value of your current home.


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Approved Listing Broker for Sage Acquisitions as prime contractor to HUD. For more information on purchasing a HUD home please call Laura @ (800) 579-7810 toll free.

HUD Announces New FHA Loan Limits for 2018

WASHINGTON - The Federal Housing Administration (FHA) today announced the agency's new schedule of loan limits for 2018, with most areas in the country to experience an increase in loan limits in the coming year. These loan limits are effective for FHA case numbers assigned on or after January 1, 2018.

FHA is required by the National Housing Act, as amended by the Housing and Economic Recovery Act of 2008 (HERA), to set Single Family forward loan limits at 115 percent of median house prices, subject to a floor and a ceiling on the limits. FHA calculates forward mortgage limits by Metropolitan Statistical Area and county.

In high-cost areas of the country, FHA's loan limit ceiling will increase to $679,650 from $636,150. FHA will also increase its floor to $294,515 from $275,665. Additionally, the National Mortgage Limit for FHA-insured Home Equity Conversion Mortgages (HECMs), or reverse mortgages, will increase to $679,650 from $636,150. FHA's current regulations implementing the National Housing Act's HECM limits do not allow loan limits for reverse mortgages to vary by MSA or county; instead, the single limit applies to all mortgages regardless of where the property is located.

Due to robust increases in median housing prices and required changes to FHA's floor and ceiling limits, which are tied to the Federal Housing Finance Agency (FHFA)'s increase in the conventional mortgage loan limit for 2018, the maximum loan limits for FHA forward mortgages will rise in 3,011 counties. In 223 counties, FHA's loan limits will remain unchanged. By statute, the median home price for an MSA is based on the county within the MSA having the highest median price. It has been HUD's long-standing practice to utilize the highest median price point for any year since the enactment of HERA.

The National Housing Act, as amended by HERA, requires FHA to establish its floor and ceiling loan limits based on the loan limit set by FHFA for conventional mortgages owned or guaranteed by Fannie Mae and Freddie Mac. Today, FHA's minimum national loan limit, or floor, is set at 65 percent of the national conforming loan limit of $453,100. This floor applies to those areas where 115 percent of the median home price is less than the floor limit. Any areas where the loan limit exceeds this ‘floor' is considered a high-cost area, and HERA requires FHA to set its maximum loan limit ‘ceiling' for high-cost areas at 150 percent of the national conforming limit.

Prior to the passage of HERA, the National Housing Act (NHA) provided that the FHA mortgage limit for any given area be set at 95 percent of the median one-family house price in that area, as determined by HUD. However, the NHA further stated the FHA mortgage limit in any given area cannot exceed 87 percent of the Freddie Mac loan limit (305(a)(2) of the Federal Home Loan Mortgage Corporation Act (12 U.S.C. 1454(a)(2)), nor be less than 48 percent of that limit. Since the enactment of HERA and The Economic Stimulus Act of 2008, which temporarily raised FHA limits even further, FHA's loan limits have been more closely tied to, and at times in excess of, those for GSE-eligible loans.





I would like to thank Laura Hepworth for an excellent job during the sales process, as I am a local investor and it is nice to work with investor friendly brokers, who understand the business. I would recommend Laura to anyone looking for a smooth transaction. Scott
A few years ago, Laura was a licensed real estate agent with my real estate company and I was her Broker-in-charge --- I always found Laura to be honest, dependable and trustworthy as well as knowledgeable. I would recommend Laura as a real estate professional as well as a nice person. Liz Loadholt Chief Operating Officer AgentOwned Realty Liz Loadholt
Laura is the epitome of what I look for in a real estate broker. Her charisma and market knowledge is only out done by her hard work and willingness to go above and beyond for her clients. She really has her thumb on the pulse of the Palm Beach County single-family market. James
I'm extremely happy to be in a position to give testimonial to the professionalism and competence of Laura Hepworth. For many months, I agonized over the decision of selling my property in Port St. Lucie. Once I made the decision the rest was easy. Laura guided me through the entire process and the fact that I was living outside the state of Florida made no difference. Every document was thoroughly explained in a simple and concise manner. Laura is a consummate professional, with vast knowledge in the field of real estate. She is competent, honest and stood by me from the beginning to the end. If I should ever conduct another real estate transaction in the state of Florida, I will will not do it without the advice and guidance of Laura Hepworth..............Thank you Laura! Sincerely, Melvon Herbert Melvon Herbert
I have know Laura for over 20 years and she is a FIRST class lady with the highest skills and integrity. She is a real hard worker and always strive for perfection. Her honesty and hard work are second to none. she is the BEST! July 23 at 5:31pm JC Buffington
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