Easier Approval, Lower Down Payment - FHA Home Loans Made Simple!
3.5% Down Payment
Minimum 580 Credit
Easier Qualification
Top Texas FHA Lender Pick for 2025
Texana Bank
Top Rated Mortgage Lender
FHA Purchase & Cash-Out Refinance Options
Low Down Payment—Own a Home Sooner
Fast Same-Day Pre-Approval
Flexible Credit Requirements—Get Approved Even with Less-Than-Perfect Credit!
What are FHA Home Loans?
FHA loans are government-backed mortgages designed to help first-time homebuyers and those with lower credit scores get into a home with low down payments and flexible qualification requirements. Whether you’re buying your first home or refinancing, an FHA loan makes homeownership more affordable and accessible—without the strict lending rules of conventional loans.
What are the Advantages of a FHA Loan?
✅ Low Down Payment: With down payments as low as 3.5%, FHA loans make homeownership more accessible—even if you don’t have a huge savings account.
✅ Competitive Interest Rates: FHA loans are backed by the government, which helps keep interest rates lower than many conventional loans.
✅ Flexible Credit Requirements: Got less-than-perfect credit? No problem! FHA loans are designed to help buyers with lower credit scores qualify more easily.
✅ Easier Qualification: FHA loans have lenient debt-to-income (DTI) requirements, making it possible to qualify even with existing debts.
Who is Eligible for FHA Loan Approval?
Here’s what you need to qualify for an FHA loan:
✅ Credit Score Flexibility: FHA loans are designed for buyers with lower credit scores—you may qualify with a score as low as 580 (or even 500 with a higher down payment).
✅ Low Down Payment: Just 3.5% down if your credit score is 580 or higher—far lower than most conventional loans!
✅ Debt-to-Income (DTI) Ratio: FHA loans allow higher DTI ratios, meaning you can still qualify even if you have existing debts like student loans or car payments.
✅ Primary Residence Requirement: FHA loans are for owner-occupied homes only—so you must live in the home as your primary residence.
✅ Stable Income & Employment: Lenders want to see steady income and job history—typically at least two years in the same field or industry.
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