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FHA Purchase
    Minimal Down Payment and Closing Costs. 
    • Down payment less than 3.5% of Sales Price
    • Gift for down payment and closing costs allowed.
    • No reserves or required.
    • FHA regulated closing costs.
    • Seller can credit up to 6% of sales price towards buyers costs.

    Easier Credit Qualifying Guidelines such as: 
    • Minimum FICO credit score of 620.
    • FHA will allow a home purchase two years after a Bankruptcy.
    • FHA will allow a home purchase  three years after a Foreclosure.


FHA Streamline Refinance
    For existing FHA loans only.. 
    • No Cost Interest Rate Reductions programs.
    • Zero cost refinance options available.
    • Easily switch amortization for adjustable to fixed or vice versa.
    • Easily shorten or lengthen term of your existing loan.
    • Easily shorten or lengthen term of your existing loan.
FHA Refinance
    Cash-Out Refinance up to 85% for existing or new FHA mortgages. 
    • Cash-Out up to 85% of your properties value.
    • Consolidate first and second mortgages into single loan.
    • Bill consolidation programs.
    • Easier credit and income qualifications.
    • FHA  regulated closing costs.


    Rate and Term Mortgage Refinancing up to 96.5% of your homes value.
    • Consolidate first and second mortgages* into a single loan.
    • No FICO score ok or min. 620 credit score.
    • Competitive rates for borrowers with a Bankruptcy older than two years.
    • Competitive rates for borrowers with a Foreclosure older than three years.
    • Easier credit and income qualifications.
    • FHA regulated closing costs.