FHA Home Purchase Standard Mortgage

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%
• FHA Loan Limits:  Click Here for Amounts
• 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 Home Purchase 500 Program Mortgage

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: 500
• Minimum Down Payment: 10%
• Down Payment from a Gift:  Yes! (Gift Information)
• Debt to Income Ratio:  31% Housing, 43% Total
• FHA Loan Limits:  Click Here for Amount
• 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 Home Purchase No Score Mortgage

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
• FHA Loan Limit:  Click Here for Amounts
• 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 Mortgage

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%
• FHA Loan Limits:  Click Here for Amounts
• 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 Home Refinance Streamline / Regular Mortgage

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%
• FHA Loan Limits:  Click Here for Amounts
• 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.