Open the Door to Homeownership with FHA Loans

Low down payments and flexible FHA requirements to make homeownership easier.

Get expert advice and start your FHA loan process today.

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Affordable FHA Loans Tailored for You

FHA loans are designed to make homeownership easier with flexible credit requirements and low down payments. At Strong Home Mortgage, we know that every homebuyer’s journey is unique. Whether you’re a first-time buyer or looking to refinance your current mortgage, we’re here to guide you through the process, keeping you informed and supported every step of the way.

FHA Loan and Federal Housing Administration written on a small notebook

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FHA Loan Features

Competitive interest rates
Down payment options as low as 3.50%
Upfront Mortgage Insurance Premium (UFMIP)
Annual Mortgage Insurance Premium (MIP) paid monthly
Flexible loan terms.

Who Should Consider an FHA Loan?

If you have a lower credit score or are finding it difficult to save for a large down payment, an FHA loan may be the perfect solution. FHA loans are ideal for borrowers who don’t meet the stricter requirements of conventional loans. They’re also a great option for first-time homebuyers or those who have faced financial setbacks.

At Strong Home Mortgage, our team will work with you to determine if an FHA loan is the best choice for your situation. If you currently have an FHA loan, an FHA Streamline Refinance may be your best option. Subject to eligibility requirements, FHA streamline loans may not require income and credit verification or an appraisal.

First time buyer application on a table.

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FHA Mortgage Loan Requirements

FHA loans have more flexible requirements than conventional loans, making them accessible to a broader range of homebuyers. Depending on your credit score, your down payment can be as low as 3.50% of the purchase price. The property must be your primary residence, and stable employment is required. These guidelines make it easier for more buyers to take a step toward homeownership.

FHA Loans vs. Conventional Loans: Which Is Right for You?

Deciding between an FHA loan and a conventional loan depends on your financial situation. FHA loans are government-backed, allowing for lower credit scores and smaller down payments, making them ideal for borrowers who need more flexibility. Conventional loans require higher credit scores and larger down payments but don’t require mortgage insurance if you put down more than 20%. At Strong Home Mortgage, we’ll help you compare both options to find the one that best fits your goals.

Simple Steps to Secure Your FHA Loan

Consultation — Our loan officers will help you explore your FHA loan options
Submit Documents — Upload your financial records securely through our portal
Underwriter Review — An underwriter reviews your eligibility
Approval — Finalize your loan and terms
Close with Confidence — Our team ensures a smooth, on-time closing process