Check Eligibility

Your Trusted Guide to FHA Home Loans

FHA loans can help you buy, refinance, or renovate with flexible guidelines, if you and the home meet FHA standards. FHA-insured loans run through approved lenders, not the government directly.

Check Your FHA Eligibility
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Start Here. Pick your FHA path.

Choose the goal that matches your situation. I’ll show rules, costs, and what to do next.

Buying with FHA

FHA loans feature a low down payment and more flexible guidelines

Get Cash Out

Leverage equity they’ve built up in their home to extract cash

Lower Payment

The two most popular FHA refinances are the Cash-Out and Streamline.

FHA Renovation

Finance the cost of repairs or renovations in a single loan.

Do you qualify for an FHA loan? Start here.

Many borrowers qualify at 3.5% down with 580+ credit and even 0% down using down payment assistance. For credit scores between 500-579, you may qualify with a 10% down payment.
The housing payment to income ratio is 46.9%. The total debt + housing payment to income ratio limit is 56.9%.
A 2-year work history must be documented (schooling may be used as work history). There are no income limits on FHA loans. 

FHA purchase loans focus on primary residences. Plan to move in quickly after closing.

The home must meet FHA minimum property standards verified by an FHA appraisal.

You need valid documentation and lawful residency status.

Victor Emmel, FHA Expert

Victor Emmel "The FHA Mortgage Guide"

Mortgage Loan Advisor | NMLS #133605

I have guided borrowers for 30 years. I keep the math honest and the steps simple. I help you understand options and choose the next best move.

  • Licensed Mortgage Loan Officer, Principal Lending Manager
  • Certified Mortgage Planner
  • Mortgage RCS-D™ (Divorce Mortgage Guidance)
  • Clear plan, not confusion
  • Proactive updates, clean follow-through
Meet Victor