What are FHA Loans?
FHA Loans are a mortgage solution designed for a specific financial situation. They offer flexible requirements and down payments as low as 3.5%, making them a great choice for first-time buyers. FHA loans provide a clear path forward with competitive terms and tailored conditions.
Key Benefits
- FHA loans typically have GREAT INTEREST RATES.
- Less than perfect credit: A FICO score as low as 580 may be accepted for a 3.5% down payment.
- Low down payment: Borrowers with a credit score of 580+ can qualify for as little as 3.5% down.
- Ask about our Down Payment Assistance programs.
- Closing costs can be factored into the Contract as Seller Concession.
- Billy Watkins - Sr Mortgage Broker - NMLS 384700
How to Apply for a FHA Loans
Initial Consultation
We start with a conversation to understand your goals and financial picture.
Application & Documentation
Complete the online application and provide necessary financial documents.
Underwriting & Approval
Our team reviews your file to issue a final loan approval.
Closing
Sign the final documents and get the key to your new home!!
Success Stories with Billy Watkins
"Billy made the process of getting our FHA Loans incredibly simple. His communication was top-notch, and we closed faster than we ever thought possible. Highly recommend!"
Alex & Jamie R.FHA Loans Client with Billy Watkins
"As a self-employed individual, I thought getting a mortgage would be a nightmare. Billy guided me through the FHA Loans options and found the perfect fit. I couldn't be happier."
Samantha P.FHA Loans Client with Billy Watkins
