FHA Loan Program

FHA Loans: Making Home Buying Possible for Everyone

FHA loans offer lower requirements and are backed by the government, making them an attractive option for many homebuyers. Discover if an FHA mortgage fits your needs.

Making Homeownership Accessible with a FHA Loan

FHA loans, insured by the Federal Housing Administration (FHA), are designed to make homeownership more accessible, particularly for those who may struggle to qualify for conventional financing. At Homexpress Direct, as a fully licensed FHA Direct Endorsement Lender, we provide a comprehensive range of FHA loan products tailored to meet your specific needs, all offered with competitive pricing.

Loan amounts up to $XXX
Cash out refinance up to $XXX
No W-2's, pay stubs, or tax returns required
Qualify using 12 to 24 months of business or personal bank deposits
Minimum 640 FICO credit score to qualify
Maximum 90% loan to value (LTV)

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Best NONQM and JUMBO Lender around! Many different products! Great for investors also! They have great service and are great at resolving issues quickly! 100% 5 STARS! 🙂

– Matt M.

FHA loans from Homexpress Direct

Loan amounts up to $524,225*
Great for the first-time homebuyers
Owner occupied only
A maximum LTV of 80% for cash-out refinances
Purchase transactions LTV up to 97.75%
Gift funds are allowed

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FHA Loan FAQs

Xpress Direct FHA Loan Solutions

To get an FHA loan, you need to have a minimum down payment of 3.5%. There are no income restrictions for FHA loans, and the more income and less debt you have, the more you can qualify for in an FHA loan.

What is an FHA mortgage?

An FHA mortgage is a type of loan you can use to buy a home. It's backed by the Federal Housing Administration (FHA). This makes it different from other loans. The government promises to pay the lender if you don't pay back your loan.

What Are FHA Loan Requirements?

To qualify for an FHA loan, you need to meet certain FHA Loan requirements:

Down payment: You must have a minimum down payment of 3.5%.

Credit score: FHA lenders may accept credit scores as low as 500.

Debt-to-income ratio: Typically, your debt-to-income ratio should be below 43%. but the FHA Automated underwriting does alllow up to 56.99%

How can I get pre-approved for an FHA loan?

To get pre-approved, find lenders who offer FHA loans, show them proof of income and have a credit score of 620 or higher.