Purchase your Texas home with as little as 3.5% down and flexible credit guidelines. Working across 160+ lending partners, I find FHA terms that actually fit your situation.
Mortgage Broker & Advisor
NMLS #2453986
"I specialize in custom-tailoring this loan program to fit your long-term wealth goals."
An FHA loan is a mortgage insured by the Federal Housing Administration (FHA). It is designed to help first-time home buyers, moderate-income families, and buyers with less-than-perfect credit profiles achieve the dream of homeownership.
Because the federal government insures these loans, lenders in our 160+ network can offer competitive rates and flexible qualification criteria that make purchasing a home in Houston, Sugar Land, or Pearland highly accessible.
Key Benefits of this ProgramQualify with a low down payment of just 3.5% of the purchase price, which can also be fully gifted by a family member.
FHA guidelines allow for lower credit score requirements compared to conventional loans.
Sellers can contribute up to 6% of the purchase price toward your closing costs, reducing your out-of-pocket expenses.
Non-occupant co-signers (like parents) can be added to the loan to help you qualify with their income.
Every file is unique, but here are the typical benchmarks used across our 160+ Lender Network:
To qualify for the lowest down payment of 3.5%, the FHA requires a minimum credit score of 580. However, some lenders in our network may accept credit scores down to 500 with a 10% down payment.
Yes! FHA guidelines allow 100% of your down payment and closing costs to be covered by gift funds from an acceptable source, such as a family member, employer, or charitable organization.
Yes, FHA loans require both an Upfront Mortgage Insurance Premium (UFMIP) of 1.75% (which can be rolled into the loan amount) and an annual monthly mortgage insurance premium (MIP) that typically lasts for the life of the loan.