FHA Loans

Supporting FHA financing since 1990 we know the ins and outs of HUD's guidelines and have minimal overlays. From your conforming, to high balance, EEMs, Streamline Refis, HUD REOs and Manufactured Housing financing, we've got you covered! We even offer several down payment assistance and affordable housing programs that can be paired with FHA financing to help serve your clients needs.

    FHA

    • Program Overview
    • Minimum 620 FICO
    • HUD REO
    • Streamline Refinance (No Underwriting Fee)

    FHA High Balance

    • Minimum 620 FICO
    • HUD REO
    • Streamline Refinance (No Underwriting Fee); minimum 640 FICO
    • FHA County Loan Limits

    Energy Efficient Mortgage

    The Energy Efficient Mortgage (EEM) allows FHA borrowers the opportunity to finance energy conservation improvements into the home loan.

    • Add the lesser of 5% of:
      • The value of the property, or
      • 115% of the median area price of a single family dwelling, or
      • 150% of the conforming Freddie Mac limit to the loan for Energy Conserving Improvements
    • No additional income-qualifications
    • 100% of improvements financed (no LTV cap)
    • Work completed after loan closing
    • Can be combined with weatherization or MCC!
    • Prior to offering the EEM, an EEM Facilitator must be procured

    Typical Energy Improvements Include

    • Central heating and air-conditioning
    • Dual-pane windows.
    • Increased attic/wall insulation
    • Energy efficient water heaters