Perfect for First-Time Buyers
FHA loans were specifically created to open the doors of homeownership to more people by reducing the barriers of high down payments and strict credit requirements. Backed by the Federal Housing Administration, these loans are especially popular with first-time buyers who may not have a long credit history or significant savings. FHA loans make it possible to qualify with lower credit scores and down payments starting at just 3.5%, while also offering protections for lenders that make approvals more attainable. Whether you’re purchasing your very first home, upgrading to a larger property, or refinancing your current mortgage, FHA loans are designed to make the process simpler, more affordable, and more achievable for a wide range of borrowers.
Why FHA Loan?
Start with as little as 3.5% down. Backed by FHA for lenders’ peace of mind.
Eligible Borrowers
FICO score: 580+, Debt-to-income ratio ≤ 56%, U.S. citizens & permanent residents
We Finance Properties Including
- 🏠 Single-Family Homes
- 🏘 Condos (FHA-approved)
- 🏗 2–4 Unit Properties
Making Borrowing Easy
- Loans up to $2M
- Down payments from 3.5%
- Options for first-time buyers
- Streamlined refinance programs available
Get in Touch with Mortzee
Have questions about our mortgage or business loan options? Our team is here to help. Fill out the form below, and we’ll respond promptly to guide you through your loan options.