FHA Loan Products

FHA loans have much lower credit requirements for home financing.  We are able to obtain FHA financing for clients with credit scores as low as 500.  We also offer an Elite FHA Program for clients with a credit score above 640.  Bankruptcy seasoning for FHA is 2 years.  Foreclosure seasoning for FHA is 3 years.  Apply for a Home Loan

FHA Purchase

  • 3.5% Down Payment required
  • Down Payment can come from Gifft Funds
  • Seller concessions up to 6% allowed
  • Single and Double Wide Manufactured Home Financing Available
  • ​Extra money at closing to help make your home Energy Efficient
  • Down Payment Assistance Available.

FHA Refinance

  • Cash out refinance up to 80%
  • Rate and Term refinance up to 97.75%
  • Streamline refinance product (no minimum credit score or appraisal requirements)
  • Energy Efficient home improvement lending options

FHA 203K - Rehab Loan

FHA One Time Close Construction
The FHA 203K loan makes available the opportunity to purchase the perfect home that might either need some work or just your personal touch.  This rehabilitation loan provides additional money at closing for work to be begin using the contractor of your choice.  
  • Purchase or Refinance
  • Purchase requires 3.5% of the total loan amount
  • 203k Limited or "Streamline" provides up to $35,000 (less fees) for minor home remodeling and rehab
  • 203k Standard provides funds up to your county loan limit for major remodeling and rehab.
With the FHA One Time Close Construction loan, you are able to purchase the land on which you want to build AND build the home!  This loan does not require an additional closing when the home is complete.  It is an all-in-one product!  Payments can be delayed until the home is complete.

  • 3.5% Down Payment Required
  • Use the builder of your choice
  • Brand new Manufactured Home Purchase 
  • By the land and build the home
  • First closing locks in permanent financing
​Loans insured by HUD
HUD mandated Up Front (1.75%) and monthly Mortgage (.85%) Insurance Premiums 
Maximum loan amount by state and county.

​Apply for a Home Loan