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Texas FHA loans

Texas FHA loans

Understanding the FHA Loan Process

by Gerry Nicodemus

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.

 

PreQualify FHA Loan ProcessPre-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.

 

FHA Loan DocumentsDocuments

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.

 

Find a home for FHAFind 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 AppraisalAppraisal

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. File is submitted to Underwriting.

 

FHA Loan Process Clear to CloseClear 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 property transferTransfer

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!

 

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Testimonials

New Home Owner FHA Loan Texas

“From beginning to end, this process could not have been any smoother or more professional. I honestly do not know how this could have gone any better – truly. Thank you thank you thank you.”

-Kim B. (Sugarland, TX)

Benefited by Texas FHA Loan

“I was worried about loan process time and approvals but everything was explained to me with professionalism and ease. My closing date was met and I had the choice to actually close early if I wanted to.”

-V. Andreev (Houston, TX)

texas fha borrowers

“The staff at Amcap Mortage was very friendly and professional. I would definitely recommend this lender for your mortgage loan.”

-James T. (Spring, TX)

 

TexasFHA.org

An FHA Loan Specialist Available 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.

We make the FHA Loan Process Quick & Easy

It’s not a secret that lenders often times will steer their clients away from an FHA loan due to their inexperience with the process. We find FHA Loans to be a great source of funding for our clients. We share our knowledge and experience with FHA loans, making it easier to get compared to conventional financing.

FHA Approved Lenders

The Federal Housing Administration requires lenders offering FHA loans to go through an extensive approval process. Amcap Mortgage Ltd. is an FHA approved lender specializing in FHA Loans in Texas.