FHA Loan
FHA Loans
Struggling to save for a large down payment in today’s competitive housing market? Learn how our FHA Loans offer affordable home financing options with low down payments and flexible credit requirements to help more residents achieve the American dream of homeownership.
Affordable FHA Loans Make Homeownership Possible in California
One of the biggest barriers to homeownership is saving for a large down payment. However, we offer competitive FHA loan programs that lower this hurdle with features like low 3.5% down payments.We understand how to maximize the benefits of these government-backed loans to help more local families realize the dream of owning their own home.
FHA Loans Require Just 3.5% Down
The low 3.5% down payment for an FHA loan is far more achievable than the 20% down conventional loans typically demand. This reduces the financial barrier to entry, allowing aspiring homeowners to afford moving into their new home much sooner. Our experienced loan officers can guide you through a simple application process.
Flexible Credit Approval Standards
While conventional loans have rigid credit score minimums, FHA programs are more lenient – even approving borrowers with scores as low as 580. We take a holistic view of each applicant, considering factors beyond credit reports. Fixed and adjustable rate terms also provide options to suit your needs.
Roll Repairs into Your New Mortgage
Struggling properties don’t have to deter you from homeownership. FHA 203(k) loans allow combining up to $35k for repairs and renovations into your new mortgage. Upgrade that outdated kitchen or add a much-needed bathroom.
Additional Advantages
- Loan limits up to $356k in high-cost areas
- Fixed rates offer payment predictability
- Mortgage insurance eases affordable financing
- Fast pre-approvals and streamlined closing
- Get Started with an FHA Loan Evaluation