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

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FHA Loan Requirement

FHA Loan Benefits and Advantages

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

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.

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. 

Texas FHA Home Loan limits vary by county. See What You Can Borrow with an FHA Home Loan in Your County.

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Credit Scores and FHA Loans Although the Federal Housing Administration (FHA) only requires a 580 FICO score to qualify for the 3.5% minimum down payment requirement, borrowers are hard-pressed to find a direct lender or an approved FHA Lender to extend a mortgage loan with such a low FICO score. Most…

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Debt to Income Ratios for FHA Loans Qualifications for an FHA loan also take into consideration the borrower and co-borrowers debt-to-income (DTI) ratio. There are specific requirements with regards to debt-to-income ratios to help protect the buyer from being approved for a loan they cannot truly afford. If you recall the…

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The Federal Housing Administration strictly defines and restricts the closing costs associated with an FHA loan that the borrower must pay. While specific costs and amounts vary slightly and are determined by local FHA offices, this list can help borrowers to anticipate the costs associated with their FHA Home Loan.…

Read More…

Income Qualifications FHA Income Qualifications & Requirements To be eligible for an FHA-insured mortgage, FHA does not require a minimum length of time that a borrower must have held a position of employment. However, the borrower’s employment for the recent two (2) full years must be verified. The borrowers…

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Documents Needed Every loan requires a standard set of documentation. Although each loan is not created equal, they all need basic documents. Here’s the list of basic documents needed.

Read More…

Texas FHA Home Loan limits vary by county. See What You Can Borrow with an FHA Home Loan in Your County.

Read More…

Credit Scores and FHA Loans Although the Federal Housing Administration (FHA) only requires a 580 FICO score to qualify for the 3.5% minimum down payment requirement, borrowers are hard-pressed to find a direct lender or an approved FHA Lender to extend a mortgage loan with such a low FICO score. Most…

Read More…

Debt to Income Ratios for FHA Loans Qualifications for an FHA loan also take into consideration the borrower and co-borrowers debt-to-income (DTI) ratio. There are specific requirements with regards to debt-to-income ratios to help protect the buyer from being approved for a loan they cannot truly afford. If you recall the…

Read More…

The Federal Housing Administration strictly defines and restricts the closing costs associated with an FHA loan that the borrower must pay. While specific costs and amounts vary slightly and are determined by local FHA offices, this list can help borrowers to anticipate the costs associated with their FHA Home Loan.…

Read More…

Income Qualifications FHA Income Qualifications & Requirements To be eligible for an FHA-insured mortgage, FHA does not require a minimum length of time that a borrower must have held a position of employment. However, the borrower’s employment for the recent two (2) full years must be verified. The borrowers…

Read More…

Documents Needed Every loan requires a standard set of documentation. Although each loan is not created equal, they all need basic documents. Here’s the list of basic documents needed.

Read More…

Texas FHA Loan Limits

Texas FHA Home Loan limits vary by county. See What You Can Borrow with an FHA Home Loan in Your County.

Credit Scores and FHA Loans

Credit Scores and FHA Loans Although the Federal Housing Administration (FHA) only requires a 580 FICO score to qualify for the 3.5% minimum down payment requirement, borrowers are hard pressed to find direct lender or an approved FHA Lender to extend a mortgage loan with such a low FICO score. Most…

Debt to Income Ratios for FHA Loans

Debt to Income Ratios for FHA Loans Qualifications for an FHA loan also take into consideration the borrower and co-borrower’s debt-to-income (DTI) ratio. There are specific requirements with regards to debt-to-income-ratios to help protect the buyer from being approved for a loan they cannot truly afford. If you recall the…

Closing Costs

The Federal Housing Administration strictly defines and restricts the closing costs associated with an FHA loan that the borrower must pay. While specific costs and amounts vary slightly and are determined by local FHA offices, this list can help borrowers to anticipate the costs associated with their FHA Home Loan.…

Income Qualifications

Income Qualifications FHA Income Qualifications & Requirements To be eligible for an FHA insured mortgage, FHA does not require a minimum length of time that a borrower must have held a position of employment. However, the borrower’s employment for the recent two (2) full years must be verified. The borrower’s…

Documents Needed

Documents Needed Every loan requires a standard set of documentation. Although each loan is not created equal, they all need the basic documents. Here’s the list of basic documents needed.

FHA Loan Specialist 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 Fast Loan Process 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 Approved Lender 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.

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