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Home Loans for an Easy, Affordable Entry to Home Ownership

A Federal Housing Administration (FHA) loan is a government-insured mortgage that opens the door to home ownership for first-time homebuyers or others with low to moderate incomes and offers flexible qualification guidelines.

Fast, Easy and Affordable Home Loans

  • 3.5% down payment options available

  • Lower rates with maximum flexibility

  • Flexible qualification guidelines

  • 21-Day Guaranteed Close

  • Eligible financing for purchase, cash-out and no cash-out refinance

By refinancing your existing loan, your total finance charges may be higher over the life of the loan.

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Flexible Loan Options

  • Choice of term: 15, 20, 25 or 30-year loans

  • Choice of Fixed-Rate or Adjustable-Rate Mortgages (ARMs)

  • Can be used on most property types 

  • 100% Loan-to-Value (LTV) with Down Payment Assistance 

  • Available to first-time or seasoned homebuyers

  • Required escrow account to pay taxes and insurance directly

Repayment Terms

A Fixed-Rate Mortgage has an interest rate that remains the same for the life of the loan. An Adjustable-Rate Mortgage (ARM) is a home loan with an interest rate that can change periodically. 

Qualification Requirements

  • Minimum 580 credit score

  • 3.5% down payment or 0% with Down Payment Assistance

  • Non-occupying co-borrowers allowed

  • U.S. Citizen, permanent and non-permanent resident alien status allowed

  • DACA and A12 eligible

  • Eligible property types: single family residence, 2-4 units, planned unit developments (PUD), townhomes, row homes, modular, HUD approved, condominiums or manufactured housing

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Down Payment Assistance (DPA)

  • 100% Loan-to-Value (LTV) with Down Payment Assistance 

  • Income limit requirements

  • Minimum 620 credit score

  • First-Time Homebuyer requirement may apply

Generous Ratios

  • Maximum Loan-to-Value (LTV) 96.5%

  • Maximum Debt-to-Income (DTI) 55%


Benefits for First-Time Homebuyers

  • Less stringent underwriting requirements than most conventional loans

  • Loan limits similar to conventional loans

  • Access to special home loan assistance programs

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