FHA Loans

FHA loans provide a lot of flexibility for buyers. These loans are not as rate sensitive and are more forgiving to credit issues, higher debt ratios, and other common elements of the loan process. FHA loans are a common loan product and are not just for credit-challenged or first-time homebuyers.

Find the perfect home loan

Benefits of FHA Loans

Low Down Payments

More Lenient Credit Guidelines

Higher Debt to Income Ratios Allowed

Find out what you qualify for.

FHA Loan Requirements

  • Minimum Down Payment for FHA?
    • 3.5%
  • Minimum Credit Score
    • 580
  • Max loan amount?
    • Varies depending on county
  • Only for primary occupied properties
  • Others based on guidelines

Getting Started is Simple

Meet with a Loan Officer

Click the “Get Started” button on the top right corner of this page and fill out the form. Once receive your form, a Loan Officer will review it before reaching out to gather more information about your specific situation.

Get Pre-Approval

You will provide us with some documentation and start your application. We will use that information to provide you with a formal pre-approval letter so you know how much home you qualify for.

Start Looking for Your Dream Home

Now you can get with your Realtor to find your dream home and put in a strong offer. We provide a variety of different programs to help your offer stand out.

Read the latest on Conventional FHA Loans

  • Questions to ask Loan Officers

Questions You Should Ask Your Mortgage Lender

When you’re looking for a mortgage lender in Charlotte, you’re bound to have some questions. We’ve gathered some of the most useful questions you should ask your prospective lender.  The answers will help you find [...]

First Time Home Buyer Tips

Tips for Buying Your First Home in North Carolina North Carolina is a great place to buy your first home, especially if you’re shopping in the Charlotte area. The landscape is beautiful, business is thriving [...]

Mortgage: Where to start

You’ve spent hours thinking about your dream home – but what about your dream mortgage? It takes work to find the right mortgage, and it helps if you know what you need to get started.  We’ll [...]