top of page


Low down-payment options. Flexible qualifications guidelines. Low interest rates. Attractive refinance options with high loan amounts. FHA loans bring homeownership within reach.


  • Down payments as low as 3.5%

  • Lower credit score accepted

  • Flexible qualification guidelines

  • Fixed-rate and adjustable-rate loan options

  • Refinance up to 96.5% current home value

  • Cash out and debt consolidation financing

Home Refinance.png

What Is A FHA Loan?

An FHA Loan is a government mortgage insured by the Federal Housing Administration (FHA). FHA Loans offer borrowers relaxed credit requirements and more flexible underwriting guidelines than conventional loans. In additions to purchase loans, refinance programs are available for FHA borrowers, non-FHA borrowers, and homeowners interested cash-out options. Up to 85% of the home's current value can be taken out in cash with a refinance.

Is An FHA Loan Right For You?

Situations in which an FHA loan makes sense: To take advantage of flexible qualifications and credit requirements When your down payment of home equity is less than 20% of the loan amount To reduce monthly mortgage payments by refinancing an existing loan To access home equity through a cash-out refinance option.

Home Refinance.png
Home Refinance.png

FHA Loan Requirements

  • Original pay stubs for the most recent 30 day period for all your income sources W-2 forms for the past two years (Tax Returns if self employed)

  • Original savings, checking and money market account statements for the past 3 months (all pages)

  • Most recent 401-K or profit sharing statement

  • Fully executed contract of sale with copy of the earnest money check (Purchase Only)

  • Landlord or mortgage company address and phone number for the previous two years

  • Copy of last Note and Settlement Statement (Refinance Only)

  • Insurance agent’s name and phone number and the Homeowners insurance premium amount for the property you are purchasing.

  • This must be received 10 days prior to your closing.

  • Copy of Borrower and Co-Borrower’s Driver’s License

bottom of page