Buy a Home with as Little as 3.5% Down

Lower down payment. Flexible credit guidelines. Personalized guidance from a local mortgage broker.

FHA Loan Benefits Explained

Our FHA Loan Rates Are Low & Our Process is Quick & Painless

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.

We’re here to 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 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

Is an FHA Loan Right for You?

Perfect if you:

  • First-time homebuyer
  • Limited down payment
  • Building credit
  • Recently changed jobs
  • Higher monthly debt
  • Need gift funds

An FHA loan is one of the most popular mortgage options for first-time buyers because it offers:

  • Down payments as low as 3.5%
  • Flexible credit requirements
  • Competitive fixed interest rates
  • Gift funds allowed
  • Higher debt-to-income flexibility than many conventional loans

Why Buyers Choose Me

  • Access to 100+ wholesale lenders
  • Personalized loan strategy
  • Fast pre-approvals
  • Clear communication
  • Local San Diego mortgage expert
  • I’ll guide you from application to closing

Complete the short application in about 10 minutes. I’ll personally review your information, explain your options, and help you determine the best loan for your situation.

  • FICO score as low as 500
  • Fixed Rates
  • Adjustable Rate Mortgage (ARM)
  • 3.5% Down Payments
  • Jumbo & Super Jumbo Loans
  • Terms from 5 to 30 Years
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