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FHA Loan 1

FHA LOANS

YOUR PATH TO HOMEOWNERSHIP MADE SIMPLE

Government-backed mortgage designed for buyers with low down payments and flexible credit requirements. Whether you're buying your first home or refinancing, we have the right solution for you.

READY TO BEGIN YOUR LOAN APPLICATION?

WHY CHOOSE A FHA LOAN?

  • Low Down Payment: As little as 3.5% down

  • Flexible Credit Requirements: Perfect for buyers with less-than perfect credit

  • Competitive Interest Rates: Save more over time

  • More Buying Power: Higher debt-to-income (DTI) ratios allowed

  • Refinancing Options: Lower your monthly payments or access home equity

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FHA LOAN QUALIFICATIONS

  • Minimum credit score 580 (or 500 with 10% down)

  • Down payment as low as 3.5%

  • Stable income & employment history

  • Home must be your primary residence

  • Property must meet FHA appraisal standards

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STEP-BY-STEP FHA LOAN PROCESS

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1. Apply in Minutes

Simple online application

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2. Get Pre-Approved

Know your budget before house building

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3. Choose Your Loan

We'll guide you the best FHA loan for you

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4. Close & Move In

Hassle-free home financing from start to finish

ADVANTAGES OF AN FHA LOAN

Low Down Payment – Buy a home with as little as 3.5% down.

Seller Assistance – Sellers can cover closing costs, reducing upfront expenses.

Flexible Credit Requirements – Qualify with low credit scores (as low as 500).

No Income Limits – FHA loans are available to all income levels.

Credit Challenges? No Problem – Past credit issues won’t disqualify you if they’ve been resolved.

Higher Debt-to-Income Ratio Allowed – Qualify even with higher debt levels.

Finance Home Renovations – Get extra funds for repairs with the FHA 203(k) loan.

Faster Recovery from Bankruptcy/Foreclosure – Shorter waiting periods compared to conventional loans.

Gift Funds Allowed – Use gift money from family for your down payment.

Assumable Loans – FHA loans can be transferred to a new buyer, which can be a huge advantage if interest rates rise.

FHA LOAN VS. CONVENTIONAL LOAN- WHICH IS RIGHT FOR YOU?

FEATURE

FHA LOAN

CONVENTIONAL
LOAN

DOWN PAYMENT

3.5%

5%-20%

CREDIT SCORE

580+

620+

MORTGAGE INSURANCE

REQUIRED

NOT REQUIRED IF 20% DOWN

DEBT-TO-INCOME RATIO

HIGHER ALLOWED

LOWER PREFERED

Why Choose Us for Your FHA Loan?

At Trust Lending, we believe buying or refinancing a home is a matter of trust—and we’re here to earn yours. With Over 20 years of experience, we’ve helped countless homebuyers and homeowners secure affordable, flexible mortgage solutions tailored to their needs.

  • Personalized Loan Solutions – We customize every loan to match your financial goals.

  • Expert Guidance – Our experienced team walks you through every step of the process.

  • Fast & Smooth Approvals – We streamline the process to get you approved quickly.

  • Technology-Driven Service – We invest in the latest tools to make your experience hassle-free.

  • Strict Compliance & Integrity – We follow all industry best practices, ensuring transparency and trust.

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At Trust Lending, we believe buying or refinancing a home is a matter of trust—and we’re here to earn yours. With over 15 years of experience, we’ve helped countless homebuyers and homeowners secure affordable, flexible mortgage solutions tailored to their needs.

  • Personalized Loan Solutions – We customize every loan to match your financial goals.

  • Expert Guidance – Our experienced team walks you through every step of the process.

  • Fast & Smooth Approvals – We streamline the process to get you approved quickly.

  • Technology-Driven Service – We invest in the latest tools to make your experience hassle-free.

  • Strict Compliance & Integrity – We follow all industry best practices, ensuring transparency and trust.

APPLY NOW

TESTIMONIALS

LEARN MORE ABOUT FHA LOANS

What Is an FHA Loan?

An FHA loan is a government-backed mortgage insured by the Federal Housing Administration (FHA). While private lenders—such as banks, credit unions, and mortgage companies—issue these loans, the FHA provides insurance to protect lenders. This means that if a borrower is unable to repay their loan, the FHA covers the lender’s losses, making it easier for borrowers to qualify.

A Brief History of FHA Loans.

The FHA loan program was created in 1934 during the Great Depression to make homeownership more accessible. Before the FHA, only 4 out of 10 households owned homes, and mortgage requirements were far stricter. For example: 

Borrowers could only finance up to 50% of a home’s purchase price (compared to 96.5% today).

Loans had short terms of 3-5 years, requiring full repayment at the end.

Since its inception, the FHA has insured over 47.5 million loans, helping to increase U.S. homeownership rates to nearly 7 out of 10 households today.

Types of FHA Loans.

FHA loans offer flexibility with both fixed and adjustable-rate options:

Fixed-Rate FHA Loans.

  • Your interest rate stays the same for the life of the loan

  • Ideal if you plan to stay in your home for 5-10+ years

  • Consistent monthly payments make budgeting easier

Adjustable-Rate FHA Loans (ARM).

  • Lower initial interest rates compared to fixed-rate loans

  • Can reduce monthly payments significantly at the start

  • Rate caps provide protection against extreme increases

  • Best for borrowers who plan to move or refinance in a few years

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