FHA Home Loan Mortgage
First Time Buyer | Move-up Buyer | Refinance | Debt Consolidation

Your FREE Mortgage Benefit:
FHA Loan Benefits + SAVINGS*




FHA Loans - Backed by the Federal Housing Administration
FHA loans have been helping people become homeowners since 1934. Some benefits of FHA loans are:
  • Low Down Payments
  • Low Closing Costs
  • Easy Credit Qualifying
 
Buying your first home?
FHA might be just what you need. Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be included in the loan. Available on 1-4 unit properties.

Want a fixer-upper?
FHA has a loan that allows you to buy a home, fix it up, and include all the repair costs into the loan. Or, if you own a home that you want to remodel or repair, you can refinance what you owe and add the cost of repairs - all in one loan.

Most loans use a method of analyzing credit called credit scoring in the underwriting process. Studies have demonstrated a direct relationship between low credit scores and higher mortgage delinquency rates. As a result many lenders have established minimum credit scores at which they will accept loans. Unfortunately, a lack of credit, old delinquencies or incorrect information on the credit report can cause a low credit score. FHA does not have specific credit score requirements. Although a high credit score may assist in getting the mortgage approved, a low score is not automatically cause for denial. If the credit scores are low, then it is up to the borrower to demonstrate his/her ability and willingness to pay the loan back. This allows the borrower to explain the circumstances surrounding the credit difficulties and have that explanation considered in the underwriting process.




Even More First Time Buyer Loans
In addition to government insured loan benefits, you may be eligible for other government insured loans and commercial loan programs. Depending on the property type, condition and location, we can provide you with a USDA Home Loan or a Conventional (Conforming) First Time Buyer loan program.


Moving Up or Buying a Second Home
For move-up buyers who are selling their current home and buying another, we have options for both conforming and jumbo loans. Loan programs meeting Fannie Mae and Freddie Mac guidelines give you the flexibility to get a free prequalification and know exactly what you can afford before placing your current home on the market.

For larger mortgage needs we have access to jumbo loan financing products that can be custom tailored to your personal housing type and payments.  Ask us for details by Redeeming Your Benefits and having a Free, No Obligation consultation with one of our Jumbo loan experts.


Refinancing & Debt Consolidation
We know that every now and then, it makes sense to take a look at reducing your loan payments, use your hard earned home equity or pay off some unintended debt. We can help you evaluate your mortgage refinancing and debt consolidation options. Talk to us when you're ready to start saving and moving forward with your important financial decisions.



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