FHA loans are products insured by the Federal Housing Administration. These programs can be beneficial to First Time Home Buyers, those with low-to-moderate income, borrowers with FICO scores that fall below conventional financing or those with limited down payments.
As a fully licensed FHA Direct Endorsement Lender, we offer a wide variety of FHA loan products to meet your specific needs along with competitive pricing.
Criteria for an FHA Loan
What is a VA Loan?
A VA loan is a mortgage loan issued by a private lender, like HomeXpress Mortgage, but guaranteed by the U.S. Department of Veterans Affairs. The VA loan program was established to make homeownership easier for current service members, veterans, and eligible surviving spouses. VA loans have competitive interest rates, low minimum credit score requirements, they do not require mortgage insurance, and no down payment options are available for select veterans.