FHA
Home Loans
Who can benefit from an FHA loan?
- Borrowers with lower or no credit scores who can’t qualify for conventional loans.
- Borrowers who can’t put 5% minimum down payment. A lot of first time home buyers.
- Clients with higher debt to income ratios and can’t qualify with conventional.
- Someone who wants to buy multifamily homes and owner occupy one unit with low down payment.
- Clients who can’t qualify with debt to income and need a co-signer.
- Clients who are getting gift money for their down payments.
Loan Program Details
- 3.5% minimum down payment requirement
- Max loan amount will be $498,257
- Upfront Mortgage Insurance premium financed into the loan
- Condominiums are FHA Single Unit Spot Approvals
- No income limits
- Seller concessions up to 6% of sales price
- Gifts allowed
Mortgages Made SIMPLE
Get Pre-Qualified Today!
Start the loan application and get pre-qualified today.
What Our Clients Say
Trusted by Many, Loved by All
I couldn’t have asked for better folks to work with in getting my home loan. Travis and Victoria were both extremely professional and kept me in the loop on what I needed to do all the way through.
Jared Green
Travis and his team have been so great to work with! They have been supportive throughout the entire journey and have always been quick to answer every question along the way. As first time home buyers, it’s been wonderful to have such positive people to work with.
Erin Porter
Travis was a true pleasure to work with. I appreciated his no nonsense approach to getting my loan done. It was so much easier than I thought it would be thanks to Travis. I would highly recommend anyone looking to purchase a home to reach out to Travis Bell and his great team.
Michael George
Travis and his team were just amazing to work with when purchasing our home. We are first time homebuyers and they walked us thru each process. They are very professional, kind and communicate so quickly. They were able to get us closed on our first home and we couldn’t be more thankful!!
Diana Gidenko
We had a wonderful experience with Travis and USA mortgage. They were always there to answer any questions we had and help us in every step toward purchasing our new home.
Nathan Butcher
Travis and his team were great to work with. My situation is tricky and he got me approved, communicated with me throughout the process, and kept everything on track to close on time. I would definitely recommend him for you loan needs.