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.

  • Program Overview
  • Minimum 600 FICO
  • HUD REO
  • Streamline Refinance (No Underwriting Fee)

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 ConservingImprovements
  • No additional income-qualifications
  • 100% of improvements financed (no LTV cap)
  • Work completed after loan closing
  • Can be combined with FHA 203(k) Streamline, 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

FHA High Balance

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