• Tel: 619-450-1554

  • Federal Housing Administration

  • FHA loans have several advantages over conventional loans, including lower down payments and more relaxed credit-qualifying guidelines. The federal government created FHA loan programs to encourage homeownership throughout the country. The FHA can help people to obtain a loan with little or no down payment.

     

    Buying a home with an FHA loan

    • Your down payment can be as low as 3.5% of the price of the home.
    • FHA also allows seller concessions up to 6% of your home purchase price.
    • DTI up to 55% with AUS approval
    • FICO score down to 550 with DU approval

     

    FHA Cash Out Refinance Benefits up to 85%

    • Cash-Out up to 85% of your properties value.
    • Consolidate first and second mortgages into single loan.
    • Bill consolidation programs.
    • Easier credit and income qualifications.

     

    FHA Rate and Term Refinance up to 97.75%  

    • Consolidate first and second mortgages into a single loan.
    • Minimum  580 FICO credit score required.
    • Competitive rates for borrowers with a Bankruptcy older than two years.
    • Competitive rates for borrowers with a Foreclosure older than three years.
    • Easier credit and income qualifications.
    • FHA regulated closing costs.

     

    Streamline Refinance for existing FHA loans

    • No Cost Interest Rate Reductions programs.
    • No Income or Credit Qualifications.
    • Zero cost refinance options available.
    • Easily shorten or lengthen term of your existing loan.
    • Easier credit and income qualifications.
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