FHA Online Application

As a free service, we can help you determine the maximum mortgage amount for which you could qualify. If you wish, we can also secure a no-obligation pre-qualification letter from a lender in your area who will guarantee your loan request and ('lock') the lowest possible rate. This is a free service available to US citizens above the age of eighteen.1

Select from the categories below the best description of your loan request.

Home Purchase Programs

First Time Home Buyer Program

  • Very Little Down Payment Required

  • Gift for down payment allowed

  • FHA regulated closing costs.

  • Tax Benefits on your first tax return after purchase


Moving & Buying Another Home

  • Relaxed Credit Requirements

  • Roll House Sale into New Purchases 

  • FHA Real Estate Agent Assistance

  • FHA regulated closing costs.


Buying a Second / Vacation Home

  • Use of Primary Residence Equity

  • Use of 'Rental Income'

  • Up to 14 Weeks Unreported Rental Income

  • Increased Tax Benefits.


Purchase an Investment Property

  • Use of 'Rental Income'

  • Up to 30 Year Loan Life

  • Increased Tax Benefits.


Refinance Programs

FHA Streamline

  • Appraisal usually not required

  • Very little paperwork

  • No income verification, employee verification

  • No Closing costs


Lower your monthly payment

  • Very little paperwork

  • Easily shorten or lengthen term of your existing loan

  • Competitive rates for borrowers with a Bankruptcy older than two years

  • FHA regulated closing costs.


Get Cash Out of Your Home

  • All Closing Costs can be rolled in Loan Amount

  • Get available funds and spread the payments out

  • Only six months in residence required

  • Use Cash for Any Purpose


Debt Consolidation 

  • Lower total monies paid out each month

  • Borrowers can restructure their credit accounts for fewer bills to pay each month

  • Improve your credit score immediately

  • Enjoy extra cash each month

  • FHA regulated closing costs.


Refinance an Investment Property

  • Use of Rental Income

  • Up to 30 Year Loan Repayment

  • Increased Tax Benefits


Reverse Mortgages

Free Reverse Mortgage Quote

  • No Credit Check

  • Very little paperwork

  • No income verification, employee verification, or underwriting fee

  • No Closing costs