FHA LOANS

FHA loans have been helping people become homeowners for nearly a century.

Benefits of FHA loans are:

• Low down payments

• Low credit score qualifying

What can a FHA Loan do for you?

Are you a First Time Home Buyer?

Looking for an affordable option? FHA may be for you. With a down payment as low as 3.5% of the purchase price, you can also include most closing costs and fees in the loan. Available on 1-4 unit properties.

Looking to rehab a home to your own style?

Get an FHA loan to purchase and renovate a home with one loan. Alternatively, refinance your existing home to include remodeling and repair costs in one loan.

Financial assistance for the Elderly

Unlock the hidden value of your home with the FHA Reverse Mortgage! So, are you 62 or older? Own your home? No need to worry about loan balance! If you've answered "yes" to all these questions, then congratulations! You have the golden opportunity to convert a portion of your equity into cold, hard cash. Act now and embrace financial freedom with the FHA Reverse Mortgage.

Is your home energy efficient?

You can include the costs of energy improvements into an FHA Energy-Efficient Mortgage.

How about manufactured housing and mobile homes?

Yes, FHA has financing for mobile homes and factory-built housing. There are two loan products – one for those who own the land that the home is on and another for mobile homes that are - or will be - located in mobile home parks.

FHA loans have been helping people become homeowners since 1934. How do we do it?

Unlock Your Dream Home with FHA Mortgage - Get an Affordable Deal Today! At the Federal Housing Administration (FHA), we've got your back. Our insurance on your loan allows your lender to offer you an irresistible deal. With as little as 3.5% down, you can make that dream home yours! Here's the best part - we're more flexible than conventional financing. Worried about credit? Don't be! Unlike other lenders, we don't have specific credit score requirements. Even if your score is low, we look beyond the numbers. We believe in your ability and willingness to pay back the loan. Let us tell you a secret: even if conventional financing has turned you down, we can still make it happen. Our experienced loan officers will listen to your story, help you present your case, and increase your chances of approval. No credit is too low for us to consider. Need help with closing costs? We've got you covered. With an FHA mortgage, you only need to put down 3.5% of the sales price. Some of that money can be used for closing costs too. That's flexibility you won't find anywhere else. Just remember, the total cost to close might be closer to 6 or 8% of the sales price. So plan ahead. And about interest rates - get ready for more options. Select a low rate for smaller payments or go for a slightly higher rate and cut down on closing costs. It's your call. We give you the freedom to choose what works best for you. Not sure where to get the funds to close? No worries! We've got plenty of options for you. From personal savings to gifts, grants, loans from retirement accounts, and even seller contributions - we've got it all covered. Don't let anything stand in your way to homeownership. Choose FHA mortgage today and turn your dreams into reality. Get in touch with us now!

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About Us

Experience our exceptional service and achieve your goals with confidence. Trust us to guide you from start to finish, because your success is our priority.

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123 Main St. Irvine, CA 92614

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Equal Housing Opportunity

West Capital Lending 2024

NMLS #: 1231230, 1473858

DRE #: 02022356, 01475320

States Licensed In: CA, FL, MI, AZ, CO, TN, Etc.

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