FHA Loan

An FHA Loan is a government-backed mortgage designed to help more people achieve homeownership—especially first-time buyers or those with lower credit scores. With low down payment options and flexible guidelines, FHA loans make it easier to purchase or refinance a home.

• Low Down Payment – As little as 3.5% down
• Flexible Credit Requirements – Great for buyers with limited or imperfect credit
• Competitive Interest Rates – Government backing helps keep rates affordable
• Higher Debt-to-Income Allowances – More flexibility for qualifying
• Refinance Options Available – Including streamlined FHA refinancing
   

An FHA loan may be a strong fit if you:

• Are a first-time homebuyer
• Have a lower credit score or limited credit history
• Prefer minimal down payment requirements
• Need more flexible income or debt guidelines
• Want stable, affordable payments with fixed-rate options
   

Hickson Lending can walk you through FHA requirements, help you maximize your buying power, and get you approved quickly and confidently.