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FHA Loan


A Federal Housing Administration (FHA) loan is a mortgage that is insured by the Federal Housing Administration. Borrowers with FHA loans pay for mortgage insurance, which protects the lender from a loss if the borrower defaults on the loan.

This loan is ideal for first time home buyers or borrowers with challenged credit. Interest rates on FHA mortgages tend to be slightly lower than their conventional counterparts. When thinking about purchasing your first home, consider asking Michael if an FHA loan is right for you.

Is an FHA Loan right for you?

Good for first-time buyers.

Securing a mortgage for your primary residence.

Credit and/or cash-challenged. If you have a credit score between 500 and 580, you may qualify for this type of loan. A higher credit score, 580 or higher, can be secured with as little as 3.5% down.

Must meet other criteria such as no bankruptcy in two years, three years removed from any foreclosure, and current on any federal student loans.

Remember, the FHA loan program was created to support low-and-moderate income home buyers; particularly those with limited cash saved for a down payment.


Great for first-time homebuyers.

Available to credit or cash-challenged borrowers.

Borrow up to 96.5% of the home’s value.

Loan relief should you find yourself in need of additional mortgage support.

Get Started

With absolutely no obligation, just add your information below and I'll provide you a personalized evaluation of your home loan options.

Refinancing may help lower you monthly payment, get you a better mortgage rate, and shorten your loan term.

Your information is never shared.

A cash-out refinance may help lower your mortgage interest rate, consolidate debt, and increase your credit score.

Your information is never shared.

Find out if you’re ready to take on homeownership with a personalized evaluation of your loan options and credit.

Your information is never shared.

Connect with Michael

It's okay to have questions. Please contact me and I'll get back to you shortly.

(916) 850-0332



Your information is never shared.
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