FHA Loans
Get a FREE quote on an FHA Loan & save thousands of dollars per year.
The Lowdown on FHA Loans...
Why an FHA Loan?
In 2024, FHA loans remain a top choice for borrowers with limited savings or lower credit scores. A 3.5% down payment is required for credit scores 580+, while scores between 500 and 579 need a 10% down payment. FHA loans come with upfront mortgage insurance of 1.75% and annual premiums between 0.45% to 1.05%. The debt-to-income ratio can go up to 43%, and loan limits range from $472,030 in low-cost areas to $1,089,300 in high-cost areas, making it an accessible option for many buyers.
Our FHA Loan Rates Are Low & Our Process is Quick & Painless
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.
We’re here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.
The FHA Loan Process
Here’s how our FHA loan process works:
Check Eligibility: Ensure your credit score and debt-to-income ratio meet FHA requirements.
Find an FHA Lender: Choose a lender and compare offers.
Get Pre-Approved: Submit financial details for pre-approval.
Find a Home: Look for a property within FHA loan limits.
Submit Application: Complete the loan application with required documents.
Home Appraisal: The lender appraises the property to ensure it meets FHA standards.
Loan Processing: Lender reviews and finalizes your loan.
Benefits of the FHA Loan Process
Here’s Benefits of the FHA Loan Process:
Low Down Payment: Requires as little as 3.5% down with a credit score of 580+.
Flexible Credit Requirements: Available to borrowers with credit scores as low as 500.
Lower Interest Rates: FHA loans often offer competitive rates compared to conventional loans.
Higher Debt-to-Income Ratio: Allows up to 43% or more, making it easier to qualify.
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3100 Interstate North Circle SE Ste 200 Atlanta, GA 30339
354 Paseo Reyes Drive St. Augustine, FL 32095
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© 2025 https://hollywalther.com/ All Rights Reserved. Holly Walther is a Residential Mortgage Loan Licensee, NMLS#507972, Georgia Residential Mortgage Licensee #51275, Georgia Residential Mortgage License Number #36474 Phone: 404.436.0013, 3100 Interstate North Circle SE Ste 200 Atlanta, Georgia 30339. Powered by Success Mortgage Partners, Inc. NMLS#130562, 1200 S. Sheldon Rd. Plymouth, MI 48170. Phone: 734-259-0880 Information subject to change without notice. This is not an offer for extension of credit or a commitment to lend. http://www.nmlsconsumeraccess.org / Privacy Policy | Terms and Conditions