Texas FHA Loans

Close on time, Credit Scores as low as 500

Texas FHA Loans

Close on time, Credit Scores as low as 500

TexasFHA.org

Let us Help You

get a better mortgage rate

Best Mortgage Refinance Company in Houston Texas

Texas FHA Home Loans

Texas FHA Loan is the easiest and most lenient home loan program to qualify for. They offer a low down payment and are available to homebuyers with less than perfect credit. If you’re in the market for a home, you owe it to yourself to research Texas FHA loan options available through TexasFHA.org.

We are a private lender and not a government agency. We are an approved FHA Lender that specializes in FHA Home Loans throughout Texas. We are a designated “Full Eagle” FHA Lender. We originate, process, underwrite, and fund FHA loans under one roof for a faster and more efficient transaction.

Lower Interest Rate

Lower Down Payment

Lenient Credit Qualifying

Higher Debt-to-Income Ratio

Texas FHA Loan Types

FHA 203b Loan

FHA 203B LOAN

The purpose of 203(b) is to provide mortgage insurance for a person to purchase or refinance a principal residence.

FHA 203k Loan in Texas

FHA 203k LOAN

FHA 203k program combines both in a single, long-term, fixed rate that covers both the acquisition and rehabilitation costs.

FHA Home Purchase Loans in Texas

FHA PURCHASE LOAN

FHA loans are available for Texas residents or would-be residents, looking to buy a house in the State.

FHA Refinance Loan in Texas

FHA Refinance LOAN

Looking to invest in your property and enjoy the benefits year after year, refinancing with an FHA loan will be an investment worth your while

Construction Loans in Texas

FHA Construction LOAN

People looking for home construction loans are either buying a fixer-upper home and renovating it or building a new home from scratch.

Reverse Mortgage in Texas

Reverse Mortgage

A reverse mortgage, also known as a home equity conversion mortgage, is a type of loan available solely to homeowners 62 years of age or older.

Why Home Buyers Are Choosing Us?

CLOSE ON TIME

GREAT RATES & LOW FEES

EXCEPTIONAL CUSTOMER SERVICE

FHA Loans in Texas

An FHA Loan Specialist Ready To Help You

Our FHA Loan Specialists are always available to help you and answer any questions.  You may contact a dedicated FHA Loan Specialist through our website or by calling us directly. You may also chat with us to get a quick answer to your questions.

FHA Loans in Texas

We Make The FHA Loan Process Quick & Easy

Lenders often times will steer their clients away from an FHA loan due to their inexperience with the program.  FHA Loans are a great source of funding for our clients.  We share our knowledge and experience with FHA loans, making it easier for borrowers.

FHA Loans in Texas

FHA Approved Lender

The Federal Housing Administration requires lenders offering FHA loans to go through an extensive approval process. We are FHA-approved and designated as a “Full Eagle” FHA mortgage lender offering FHA-insured home loans in Texas.

FHA Loans Help Make Home Ownership 

Possible For a Wider Range of People.

The FHA Loan Process

It is a common misconception that the FHA home loan process is daunting and harder to accomplish than other home mortgage options. The process of an FHA mortgage loan is not much different than any other type of home loan. Because we are an FHA Approved Lender and we have dedicated FHA Loan Specialists, we simplify the process for you. A typical FHA home loan can close in 30 days or less. We don’t outsource anything and everything is done in-house.
fha home loan

Pre-Qualify

The first step in obtaining your new FHA Home Loan is a preliminary look at your particular situation in order to see if you are qualified and how much of a home you are qualified for.

texas fha

Documents

Once you’re qualified, we will need to start getting your documents in order. We fast-tracked the process for you to ensure you close on time.

fha home loan

Find a Home

It’s time to find a home if you haven’t done so already. When looking for a home, it always helps to have a preapproval letter in hand when making an offer on a home.

fha requirements

Appraisal

The subject property being purchased has to be appraised by an independent third party to determine value in relation to the purchase price of the home. The file is submitted to Underwriting.

fha loans

Clear to Close

Once your home appraisal is complete as your lender we will complete a full review of your credit and income and will verify assets and give a “Clear to Close” status. This initiates a date, place, and time for you to sign all of your documents.

fha loan process

Transfer

After you’ve sat down at the title company to sign all of your documents the property is then transferred to you and you receive the keys to your new home.

Congratulations On Your new Home !!!

Words of Gratitude from Our Borrowers.

" We got our 1st mortgage from Mr. Nicodemus. It was great to work with him and his mortgage team. They were always super responsive and helpful. . . . "
" The best FHA lender in Texas! Gerry Nicodemus and his assistant, Reggie Ford, are top-notch. They make the home loan process seem so easy and simple. . . . "
" I rarely go online and much less to praise anybody. This is one of those times because they deserve every bit of recognition for a job well done! . . . . "

Let Us Help You Get

A Better Mortgage Rates

Texas FHA - Apply Now

  • Acknowledgement

    You are about to initiate an online application for an FHA loan with Capital Home Mortgage, NMLS#27830, an FHA-approved lender.

    Capital Home Mortgage is a dba of AXIA Home Loans NMLS#27830. Corporate address: 3009 112th Ave NE #200, Bellevue, WA 98004

    Click on "SUBMIT" below to be directed to a secured application page and contacted by a licensed Loan Originator to complete the prequalification process.