Federal Housing Administration Loan (FHA Loan)

FHA loans are federally backed mortgages designed for low-to-moderate income borrowers who may have lower than average credit scores

3.5% minimum down payment required
580minimum FICO score required
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FHA Loan Benefits

Comparatively lower credit score requirements

Even if you suffered bankruptcy previously, an FHA loan could still be availed

The loans come with adjustable or fixed rates for 15 or 30- year terms

Requires fairly low down payment. In some cases, it is as low as 3.5%

Refinancing via an FHA loan has additional benefits as well:

You can incorporate the closing costs into the loan

If you have already opted for an FHA loan, then it can be refinanced through an FHA Streamline. It requires less paperwork, and no appraisal is needed. It is ideal if you don’t want to take out cash

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First we need to know a little about you and your needs for loan.

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Secure Your Funds

After approved, we will work out with our nationwide lenders on the details you provided.

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Why Get a Mortgage Quote Online?

You should acquire an online mortgage quote as answering a handful of queries can tell you the exact borrowing amount. In a few clicks, our application form can estimate your savings by opting for 15 instead of 30 years, the monthly payment reduction with a larger down payment, or the monthly payments. This requires a formal meeting in the bank, but you can get it answered anytime online.

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Things to Consider Before Getting a Mortgage

Before raising a mortgage, you need to ensure whether it is ideal or not. You should ask the following questions before applying for the pre-approval:

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If you do not possess a steady income source and down payment, the answer is probably no. Affording a mortgage is doubtful even with a stable income and decent savings. Consider the budget after the accumulated cost of the upkeep and maintenance.
If you intend to move out in 2-3 years, then purchasing a house isn’t rational. The purchase process is costly and you can incur a loss. So consider renting if you won’t stay for at-least 5 years.
If you're unaware of what a credit score is, then raising a mortgage isn’t a sensible decision. Your credit score heavily influences your monthly payments alongside mortgage APR. So fully comprehend your credit score and improve it before applying.
If you're opting for an interest-only mortgage simply because you're unable to afford payments, then it is not an ideal time to raise a mortgage. The payments rise substantially in 1-2 years, so consider an affordable mortgage, even if it incurs a longer-period.

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With our nationwide network, we can help you find the right mortgage lender based on your requirements


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We suggest choosing at least 3 companies to find one that works best for you.


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