Loans from the
Federal Housing Association (FHA)

Imagine owning your dream home, even if you thought it was out of reach. With FHA loans, that dream can become reality! These special home loans, backed by the Federal Housing Administration (FHA), are like a warm hug from the government, making it easier for you to step into homeownership—especially if you’re a first-time buyer.

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Let our dedicated team of expert Loan Officers guide you to the perfect loan tailored just for you!
With a warm, personalized approach, we’ll dive into your financial dreams and homebuying aspirations to find the ideal loan that fits like a glove, making your journey to homeownership smooth and exciting!

Documents Needed for a FHA Loan

Income

Complete Income Tax Returns for past 2-years
W-2 & 1099 Statements for past 2-years
Pay-Check Stubs for past 2-months
Self-Employed Income Tax Returns and YTD Profit & Loss Statements for past 3-years for self-employed borrowers

Credit

Recent bills & statements indicating account numbers and minimum payments
Landlord's name, address, telephone number, or 12- months cancelled rent checks
Recent utility bills to supplement thin credit
Bankruptcy & Discharge Papers if applicable
12-months cancelled checks written by someone you co-signed for to get a mortgage, car, or credit card, this indicates that you are not the one making the payments.

Personal

Drivers License
Social Security Card
Any Divorce, Palimony or Alimony or Child Support papers
Green Card or Work Permit if applicable
Any homeownership papers

Savings

Complete bank statements for all accounts for past 3-months
Recent account statements for retirement, 401k, Mutual Funds, Money Market, Stocks, etc.

FHA Loans: The Welcoming, Easy-Going Choice!

FHA loans, backed by the Federal Housing Administration, are like that supportive friend who’s always there to help you shine. Here’s why they’re so awesome:

Tiny Down Payments: You only need as little as 3.5% down. That means you can snag a $200,000 home with just $7,000 upfront—perfect if you’re not swimming in savings!
Forgiving and Flexible: Got a less-than-perfect credit history? No worries! FHA loans are super understanding. They don’t demand a flawless credit record and are okay with minor hiccups, as long as you have a reasonable explanation.
Second Chances: Even if you faced tough times, like a bankruptcy a few years back, FHA loans give you a shot at homeownership with some understanding and common-sense flexibility.

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