FHA Mortgage in San Diego


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Having a Dream is Good, Owning One is Better

Is an FHA Mortgage Right For You?

Who Needs An FHA Home Loan?

In San Diego, California, typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. An FHA down payment of 3.5% is required. Borrowers who cannot afford a traditional down payment of 20% or can’t get approved for private mortgage insurance should look into FHA loans.

FHA Loan Rates Are Normally Much Lower Than Traditional Conventional Rates

FHA (Federal Housing Administration) These mortgage home loans are insured by FHA to FHA approved lenders. Government loans are shaping up to be the wave of the future. They are more flexible with regard to debt ratios and income. Past less than perfect credit may be overlooked.

An FHA home mortgage requires much less cash out of pocket than the strict guidelines of a conventional loan. An FHA underwriter looks at a file and uses common sense to determine loan qualification.

We’re here to help make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you – whether you’re a first-time home buyer or a seasoned investor.

The San Diego FHA Loan Process

Here’s how our home loan process works:

  • Complete our simple FHA Loan Qualifier
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs
  • 3.5% Down Payment

  • Seller Concessions…OK

  • Less Than Perfect Credit…OK

  • FHA Loans in California

  • Terms from 5 to 30 Years