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FHA Loans are Government back Loans
The government offers mortgage insurance to assist individuals in purchasing or refinancing their primary residences. The mortgage loan is provided by a lending institution, such as a mortgage company, bank, or savings and loan association, while the Department of Housing and Urban Development (HUD) insures the mortgage. In 2023, FHA Mortgage Insurance has been reduced, leading to a significant benefit for borrowers by lowering their monthly payment obligations. This reduction in insurance premiums contributes to more affordable homeownership opportunities.
FHA Loan Limits increase in 2024 to $498,257, making way for more homeowners to benefit from a FHA loan.
FHA Products
FHA Purchase
FHA No Credit Score
FHA No Credit Score
Our FHA loans offer an opportunity to qualify with a minimum down payment requirement of just 3.5% and credit scores as low as 580. These loans are specifically designed to empower first-time homebuyers and medium to low-income wage earners, enabling them to participate and compete in the housing market.
One of the notable advantages of FH
Our FHA loans offer an opportunity to qualify with a minimum down payment requirement of just 3.5% and credit scores as low as 580. These loans are specifically designed to empower first-time homebuyers and medium to low-income wage earners, enabling them to participate and compete in the housing market.
One of the notable advantages of FHA loans is the allowance of 100% gift funds, making it easier for borrowers to receive financial assistance from family or other sources. Additionally, up to 6% seller concessions are permitted, providing potential cost savings during the homebuying process.
It's important to note that in Texas, all FHA loans require both individuals, if married, to have their total debt calculated in the loan approval process. The approved debt-to-income ratio should not exceed 57%, ensuring responsible borrowing practices.
With the accessibility and borrower-friendly features of FHA loans, more individuals can realize their dream of homeownership, even with limited down payment funds and lower credit scores.
FHA No Credit Score
FHA No Credit Score
FHA No Credit Score
Introducing the FHA No Credit Score program, specifically designed to assist borrowers with no credit score, non-traditional credit, or insufficient credit histories in obtaining maximum home loan financing. This program provides an opportunity for individuals who may not have established a credit history to qualify for a home loan.
Eligib
Introducing the FHA No Credit Score program, specifically designed to assist borrowers with no credit score, non-traditional credit, or insufficient credit histories in obtaining maximum home loan financing. This program provides an opportunity for individuals who may not have established a credit history to qualify for a home loan.
Eligibility for this program is determined by evaluating 12-24 months of rental history and utility bills. By considering these alternative credit references, borrowers can showcase their financial responsibility and increase their chances of qualifying for a home loan.
To learn more about the FHA No Credit Score program and explore how it can help you achieve your homeownership goals, please reach out to us for detailed information and assistance.
FHA Refinance
FHA No Credit Score
FHA Refinance
If you require funds for personal reasons, the FHA offers a streamlined program that eliminates the need for an appraisal. With a minimum credit score requirement of 620, this program provides a convenient and efficient solution. It is applicable to a wide range of property types, including single-and multi-wide homes, condos, and planned
If you require funds for personal reasons, the FHA offers a streamlined program that eliminates the need for an appraisal. With a minimum credit score requirement of 620, this program provides a convenient and efficient solution. It is applicable to a wide range of property types, including single-and multi-wide homes, condos, and planned unit developments (PUDs). Experience a hassle-free process and access the funds you need with the FHA streamlined program.