How To Apply for FHA Loans In Austin, TX

The Federal Housing Administration has been working with lenders across the country to provide better and more accessible home loans to residents of the United States through the FHA Home Loan Program.

To apply for an FHA loan in Austin, you may call us at 800-854-4142 or Apply Online using the tools on this site.

FHA Loans in Austin Texas

Austin FHA Loan Limit










What are FHA Loans?

FHA loan products are some of the most popular mortgage options today. They represent over 25% of all mortgages in the country.

As their name suggests, FHA loans are loans insured by the FHA or Federal Housing Administration. Because of this guarantee provided by the government, loans under the FHA programs pose less risk to mortgage companies. Lenders can offer FHA loans at much more favorable terms and with a less stringent qualification process.

You can apply for an Austin FHA loan in five easy steps.

  1. Apply Online using this link.
  2. Apply over the phone at 800-854-4142.
  3. Apply in person in any of our office locations.
  4. Complete the mortgage application form.
  5. Provide the necessary documents to complete the prequalification process.

If you’re planning to buy a home with an FHA mortgage, it would be best if you speak with an FHA specialist first before you submit your application or shop for a home. This way, you have time to fix any credit, financial, or qualification issues that might affect your chance of getting approved for an FHA loan.

Borrowers need to meet the following standards and requirements to qualify for an FHA loan:

  • FICO score of at least 580
  • Down payment of at least 3.5% of the home’s value
  • Debt-to-income ratio of 50% or lower
  • Steady source of income
  • At least 2 years of work history with the same employer
  • Home must be used as primary residence
  • Home must pass FHA inspection

If you meet most or all of these requirements, then qualifying for an should not be a problem for you. It’s important to note, however, that a specific lender’s standards may be different from the ones set by the FHA.

You can prequalify for an FHA loan online to better gauge your chances of approval.





Where can I apply for an Austin FHA Loan?

You can avail of Austin FHA loans through most traditional lenders in the city — local banks, credit unions, mortgage brokers, and even online lenders. The application process is more or less similar, regardless of which lender you decide to use.

This is not to say that all FHA lenders are the same. Interest rates and qualification guidelines tend to vary from lender to lender. For example, some lenders may qualify applicants with a credit score of 500, while others only approve those with a FICO of 600 or more. Also, some lenders offer many types of FHA loans, while others only originate from the traditional 203b purchase mortgage.

To learn more about the details and stipulations of the FHA loan program, contact our FHA loan specialists at 800-854-4142.

FHA Loans Help Make Home Ownership 

Possible For a Wider Range of People.

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.