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Purchase A Home With FHA

Change Your Life with an FHA Home Loan

If you are a first-time home buyer or have bought a home before your going to love the FHA Loan. If you have less than perfect credit you have come to the right place. FHA Houston Loan Specialists will take you through the loan process step-by-step.

Here are some key things you should know!

Down Payment - The down payment can be as little as 3.5%. The funds can come from your checking and savings account or a small loan or withdrawal against your 401K or retirement account.

Gifted Down Payment Funds - Here is the exciting part, some or all of those funds (3.5%) can be a Gift and come from a family member, charity, or your employer. 

Closing Costs – Your closing costs can be paid in their entirety by the seller of the home. So the only funds you would need to come up with would be your down payment to close on your home!

FHA Allows for a Blemished Credit History
In today's tight lending environment, an FHA is often the best choice for borrowers with pas credit issues. Many borrowers find it much easier to qualify for an FHA Loan. Borrowers can have lower FICO scores, some blemishes on credit and don't need to put as much money down.

  • Lower FICO Scores OK - FICO scores can be lower for FHA than they can with a conventional loan.
  • Bankruptcy - The FHA only requires a 2 year waiting period after a bankruptcy. Just 1/2 of the 4 year waiting period for a conventional loan.
  • Foreclosure History - FHA required a 3 year waiting period after a foreclosure compared to the 4 year waiting period for a conventional loan.

Contact us now to begin your FHA Loan Process!

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