NMLS

We encourage users to use the free NMLS Consumer Access Link to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is authorized to conduct mortgage business in their state.

FHA Gift of Equity Purchase

An FHA Loan is now the most popular loan for First Time Home Buyers.

Purchasing a home is one of life's major landmarks and for some, it is even a dream come true. We understand the magnitude of this decision and it is our goal to make your transition into home ownership unforgettable. Our FHA First-Time Homebuyer Specialists help you with FREE same day pre-approvals, low down payments, and savings on everything from appliances to moving expenses. FHA First Time Home Buyer (FTHB) offer a variety of programs to help potential homeowners navigate the home buying process. Partner agencies in for each individual state provide education, mortgage loan programs and more assistance for families and individuals to find the right home.

Some of these features include:

Lower Credit Scores

Little (or No) Down-Payment Programs

Gifts can be used as the down payment

No Income Limits

'Good Neighbor Next Door' Programs

'Home Path Ready Buy Programs' to purchase previously foreclosed homes.
Energy-efficient mortgage FHA Loan Program and allows borrowers to combine the cost of energy-efficient upgrades into their FHA Loan loan upfront(without a larger down payment.)
FHA 203k Loans An FHA Backed Loan that lets you purchase a 'Fixer-Upper' home and borrow the money you may need up-front to pay for home improvement projects.

The important step in purchasing a new home is to get an FHA Pre-Approval Letter for a home loan. The peace of mind that comes with knowing that your mortgage loan has been approved will allow you to shop for your new home with confidence. And when you are ready to make an offer, the fact that you have already been pre-approved for your loan amount will give the seller confidence in you as a buyer.

FHA Loan Information

The FHA (Federal Housing Administration) does not lend money. The FHA is part of HUD & backs individual FHA Approved Lenders.

Our responsibility is to help you find the best FHA Approved Lender who can help you secure financing.

When you fill in our short application we will provide your information to one, (and only one) FHA Approved Lender who can help you based upon many factors, including your State, the type of FHA Loan, and your Credit History.

Note: We are not affiliated with the Department of Housing and Urban Development, or any other government agency. We are an FHA Educational Resource.

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FHA News & Information

30-year fixed, 15-year fixed and 5/1 ARM rates are at record lows according to a survey of current mortgage rates published by National Lenders.
FHA Home Loan: A Smart Choice When Rates Are Low. As people watch mortgage interest rates move upward, they might be wondering whether there is a mortgage out there for them. The FHA home loan could be something to look into, depending on one's savings, credit score, income and future needs. (03/17/20)
On Dec. 27, the Department of Housing and Urban Development announced that premium rates for mortgage insurance on loans backed by the Federal Housing Administration would drop by a quarter of a percentage point. (12/27/19).