FHA Loan

The FHA Advantage

Whether you are a seasoned or first-time homebuyer, homebuying is easy with an FHA loan. Lower rates and a low down payment makes FHA a great choice for you.

Less than perfect credit? No problem, prior bankruptcy or short sale is ok, FICO scores as low as 560.

Qualify for more with less income with an FHA loan. Higher debt-to-income ratios allowed.

Why Buy a Home with an FHA Loan

Down payment as low as 3.5%—all of it can be a gift.
Seller can contribute up to 6% of purchase price toward your closing costs.
** No closing costs options

Why Refinance with an FHA Loan

Get more cash-out, refinance up to 85% of your home's value.
Eliminate bills—complete home improvements.
Skip up to *2 mortgage payments
Receive an escrow refund from your current leader.

FHA lending in California and Florida Only

This is not a commitment to make a loan. Any mortgage information contained herein is available to change at any time. Rates are subject to change without any notice. Not all applicant’s will qualify. *Skipping payments may increase your loan amount. **Closing costs incurred are paid through an above par interest rate

Jessica V.

LODI, CA

As a first-time homebuyer, I was clueless on everything pertaining to a mortgage. Luckily my mother is a Realtor, who sends her clients to HomeLife so I felt a bit more assured. Well the entire process was so smooth, we closed ahead of time and I truly grateful of their services.

Toni C.

MARGARITA, CA

Working with the staff at HomeLife Mortgage back in 2010 was one of the most seamless transactions that I've ever experienced. So, we used them two more times! Homelife has completed three refinance loans for us!