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

FHA Lender

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.

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.

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.

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.

FHA Loan 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.

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 Loan in Texas
FHA Loan 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.

WHY CHOOSE TEXAS FHA?

FHA Loan Benefits and Advantages

FHA Loan

Lowest Interest Rate​

Compared to conventional loans, FHA carries a lower interest rate. Since HUD insures the loan against future default, it is offered a lower rate.

FHA Loan

Lower Down Payment

Minimum requirement for an FHA loan is only 3.5% compared to 5% on conventional loans. The borrower can also get a “gift” from family members to be used as a down payment on the house.

FHA Loan

Lenient Credit Qualifying

Required minimum credit score for an FHA loan is lower compared to the conventional counterpart. TexasFHA.org will extend an FHA loan to borrowers with middle FICO scores as low as 580.

FHA Loan

Higher Debt-to-Income Ratio

FHA loans can go as high as 57% debt-to-income (DTI) ratio with an automated underwriting system approval. Conventional loans can only go as high as 45% DTI. What does this mean? This allows the home buyer to purchase a higher sales price home. Lots of times, the higher DTI decides if a borrower qualifies for a home loan or not.

See what our Customers are Saying...

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Google reviews
" 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! . . . . "
" Shout-out to this Mortgage lender... provided a quick, painless, convenient, cost-conscious, and smooth refinancing process to us. . . . "
" They helped me to buy my first home! I am impressed with their skills, patience, and availability. This process was totally new for me and they navigate me to. . . . "
" Mr. Nicodemus and his team were easy to work with and honest. He worked hard to get me a loan and walked me through every detail . . . . "

FHA Loans Help Make Home Ownership 

Possible For a Wider Range of People.

Connect With Us

Address

2300 Highland Village Rd., Ste 2218
Highland Village, TX 75077

Phone

800-854-4142

Email Address

info@texasfha.org

business hours

Monday - Friday: 9:00 am to 6:00 pm Saturday: 9:00 am to 12:00 pm

Connect With Us

Address

2300 Highland Village Rd., Ste 2218
Highland Village, TX 75077

Phone

800-854-4142

Email Address

info@texasfha.org

business hours

Monday - Friday: 9:00 am to 6:00 pm Saturday: 9:00 am to 12:00 pm