FHA Home Loans

FHA home loans are a great loan program for those with little down or with some past credit events. FHA home loans are insured by the Federal Housing Administration and offer a lot lower interest rates than a Conventional loan. Qualifying for an FHA home loan is easier than one would think as FHA loans are less restrictive when it come to their guidelines. The only drawback with FHA home loans is that the borrowers are required to finance an upfront mortgage insurance premium and pay a monthly mortgage insurance within their monthly mortgage payment. Whenever I assist borrowers with an FHA home loan, I make it very clear that the goal is to eventually refinance into a Conventional loan once the home has at least 20% equity to remove the mortgage insurance premium. Currently the minimum credit score for FHA loans is 580, which is less than perfect credit, the bankruptcy 7 waiting period is two years after discharge, and the foreclosure waiting period is only 3 years. One very important detail is that I’ve helped borrowers with an open BK-13 purchase a home, as long as we have a satisfactory 12-month payment history, of course meets all other FHA guideline requirements, and have permission from the court to purchase a home. There are too many details and loopholes to go over within this paragraph. I know FHA Home Loans very well and would love the opportunity to assist you with your mortgage loan. For more details, please contact me and I’d be happy to go over your specific scenario to see how I can best serve you.

Our home loan promise to you

My team and I promise to make the process of securing a mortgage loan simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

Buying a home in Chula Vista, San Diego, Miramar, Point Loma, El Cajon, Lakeside, Oceanside, Santee or anywhere in our great State of California is a big investment. We promise to be there with you every step of the way. Our company has been in this business for a long time, and we invite you to put our experience and expertise to work for you.

Remember not every Mortgage Lender is created equal, experience lower rates and superior service by working with my team and I. We look forward to assisting you with your mortgage needs and providing you with the honesty, integrity, and professionalism you deserve.