FHA Mortgage for ALL types of homes!

FHA provides lots of opportunities for getting a home mortgage,
EVEN with challenged credit!

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FHA Home Loans

FHA Purchase Standard

The FHA mortgage program allows home buyers with little to challenged credit to become homeowners.

  • Minimum FICO Score: 580
  • Minimum Down Payment:  3.5% (Assistance Available)
  • Down Payment from a Gift:  Yes! (Gift Information)
  • Debt to Income:
    < 620: 31/43%
    > 620: Up to 55%
  • Seller can pay up to 6% towards Closing Costs
  • Foreclosure:  3 years after Discharge
  • Bankruptcy 7:  2 years after Discharge
  • Single Family, 2-4 Units, Townhomes, Condos, Manufactured.

 

FHA Purchase 550 Program

FHA home mortgage program that allows a person with less than stellar credit to get into a home with minimal down payment.

  • Minimum FICO Score: 550
  • Minimum Down Payment: 10%
  • Down Payment from a Gift:  Yes! (Gift Information)
  • Debt to Income Ratio:  31% Housing, 43% Total
  • Seller can pay up to 6% towards Closing Costs
  • Foreclosure:  3 years after Discharge
  • Bankruptcy 7:  2 years after Discharge
  • Single Family, 2-4 Units, Townhomes, Condos, Manufactured.

More Information

 

FHA Purchase No Score

Don't have a FICO score due to new credit or not enough credit? No problem!

  • Minimum FICO Score:  None
  • Minimum Down Payment:  3.5% (Assistance Available)
  • Down Payment from a Gift:  Yes! (Gift Information)
  • Debt to Income Ratio:  31% Housing, 43% Total
  • Seller can pay up to 6% towards Closing Costs
  • No Foreclosure
  • No Bankruptcy
  • Single Family, 2-4 Units, Townhomes, Condos, Manufactured.
  • 2 Months of PITI in Reserve
  • Need 3 Non-Traditional Tradelines

 

FHA 203K Full / Streamline

Found a home that needs a little fix up before you move in? FHA has a GREAT loan for you!

  • Minimum FICO Score: 580
  • Minimum Down Payment:  3.5% (Assistance Available)
  • Down Payment from a Gift:  Yes! (Gift Information)
  • Debt to Income:
    < 620: 31/43%
    > 620: Up to 55%
  • Seller can pay up to 6% towards Closing Costs
  • Foreclosure:  3 years after Discharge
  • Bankruptcy 7:  2 years after Discharge
  • Single Family, 2-4 Units, Townhomes, Condos, Manufactured.
  • Streamline:  Up to $35,000
  • Full:  Over $35,000 and Structural

More Information

 

FHA Refinance Streamline / Regular

Need to lower your interest rate or cash out some equity to pay bills.

  • Minimum FICO Score: 580
  • Loan to Value:  Up to 96.5%
  • Down Payment from a Gift:  N/A
  • Debt to Income:
    < 620: 31/43%
    > 620: Up to 55%
  • Single Family, 2-4 Units, Townhomes, Condos, Manufactured.
  • Foreclosure:  3 years after Discharge
  • Bankruptcy 7:  2 years after Discharge
  • Single Family, 2-4 Units, Townhomes, Condos, Manufactured.
  • Appraisal:​
    Streamline = NONE!
    Regular = Yes need one.

Let us Show You How Easy it is.

Answer a few SIMPLE Questions and experience why we are always the 1st Choice in Idaho!

Choose Your Loan TypeHow Much Would You Like to Borrow?Current Home Value OR Purchase PriceWhy are you Purchasing a New Home?
What is Your Credit Score?Estimated Down PaymentHow Did You Hear About Us?Are you a Veteran?
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