FHA Loans

WHY a
FHA LOAN

An FHA loan is one of the easiest types of mortgage loans to qualify for, requiring a low down payment and accepting less-than-perfect credit. With a down payment requirement of just 3.5%, it's an attractive option for borrowers who can't afford a 20% down payment or don't qualify for private mortgage insurance.

Insured by the Federal Housing Administration (FHA), FHA loans offer lenders reduced risk of loss in case of borrower default. Originally created in response to the housing market challenges of the 1930s, the FHA program aims to make loans accessible and affordable while stimulating the housing market.
Key features of FHA loans include:
• Shorter time to qualify after negative credit
• Minimum Fico score 580
• More lenient on gift funds
Lenient on debt- to- income ratios
• Non- occupant Co-borrowers accepted

FHA LOANS

THE FHA
LOAN PROCESS

Our FHA loan rates are competitive, and our process is quick and painless. We're dedicated to simplifying the FHA home loan process, offering tools and expertise to guide you through every step. Whether you're a first-time home buyer or an experienced investor, we're here to help you find the right loan program for your needs.

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HERE’S HOW our APPLICATION PROCESS WORKS

Gather necessary documents such as proof of income, employment history, and identification.

Submit an application either online or in-person at the lender's office.

Await pre-approval, during which the lender assesses your financial situation and determines the loan amount you qualify for

Provide additional documentation if requested by the lender.

Await final approval, which involves a thorough review of your application and financial documents.

Close on the mortgage, signing all necessary paperwork and finalizing the loan agreement.

Begin making monthly mortgage payments as outlined in the loan agreement.

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SERVICES

OTHER Services

In addition to our primary services, we offer a range of other mortgage solutions to meet your unique needs. Whether you're purchasing a new home, refinancing your current mortgage, or exploring alternative loan options, we're here to help.