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100% FHA Financing

Is a down payment keeping you from purchasing a home?

Yes No

FHA Loan Program Can Help

100% FHA Financing

We offer up to 100% FHA financing to help you buy your next dream home. This program truly helps those who have not been able to save a large down payment.

1.5% Closing Cost Assistance

In addition to 100% financing, we can also include up to 1.5% of the purchase price for closing cost assistance. This helps pay for closing costs.

First-time Buyers & More

Homebuyers do not have to be a first-time buyer to qualify. We offer both low and no down FHA loans.

Less Than Perfect Credit

We accept credit scores starting at 640, opening doors for more homebuyers, plus no income requirements.

How it works

first Share a few details
first FHA Loan
first Hi, I’m Chad, your loan officer, How can I help?
first Share a few details
first FHA Loan
first Hi, I’m Chad, your loan officer, How can I help?
1

Choose your best option

It all starts here by choosing the best loan program that fits your home purchase plan.

2

Compare loan options

We will provide you an easy to follow estimate with loan program, interest rate, monthly payment and cash to close.

3

Painless pre-approval

Once you know your options you submit an application to become pre-approved.

Find 100% FHA

Takes two minutes. Won’t affect your credit score.

Frequently asked questions

Q: How does a home buyer qualify for FHA 100% Financing?
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Buyers must have qualifying income, meet at least 640 credit score and occupy as primary residence. Ask your loan officer for additional qualifications.

Q: What does 1.5% closing cost assistance mean?
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We can provide you with up to 1.5% assistance to pay for closing costs. For example, 1.5% of a $300,000 purchase price would give you $4,500 for closing costs. Additionally, the seller can contribute up to 6% towards closing costs as well.

Q: Does FHA 100% Financing have income limits?
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No, there are no income limits, even if you have additional income, such as from a second job or spousal income.

Q: What kind of loan program is used with the 100% Loan Program?
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We currently offer a FHA loan as part of our 100% Financing Program. FHA loan limits apply by county.

Q: How can I get a lower rate?
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Depending on your scenario, the best rate is typically determined by a higher credit score and a larger down payment. We can provide you with options and let you determine which is best for you.

Q: What is the first step to take advantage of FHA programs?
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Start with “FIND MY FHA” answer the questions, connect with our FHA Loan specialist and have your options emailed to you.

Get started in minutes

Speed matters. Which is why you can get information today. Without affecting your credit score.

Find 100% FHA

Won’t affect your credit score.

All Rights Reserved. Copyright 2020. No advertisement or solicitation from firsthometime.com is meant to be a mortgage brokering activity or mortgage lending activity. All brokering or lending activities can only be completed by licensed real estate professional. All information, home buying programs are subject to change without notice. All loans subject to underwriter approval. Terms and conditions apply. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.