FHA Loans
FHA loans are designed to help more people buy a home, specially first-time buyers or those with less-than-perfect credit.
ABOUT LOAN
What is a
FHA Loan?
FHA (Federal Housing Administration) loans are designed to help more people buy a home especially first-time buyers or those with less-than-perfect credit. With low down payments and flexible guidelines, FHA loans make homeownership more accessible.
Who is It Best For?
First-time homebuyers
Buyers with limited savings
People rebuilding credit
Renters ready to buy, but unsure where to start
Anyone wanting a flexible, government-backed mortgage option
BENEFITS
Benefits of FHA Loans
Low Down Payment
As little as 3.5% down — great for first-time buyers. (Maybe even 0% Down).
Lower Credit Score Requirements
Qualify with scores as low as 580 (or even lower with more down).
Flexible Debt-to-Income (DTI) Ratios
Allows more flexibility for buyers with student loans, car payments, or other debt.
Gift Funds Allowed & Refinance-Friendly
Down payment can come from family or approved assistance programs.
Requirements
FHA
Loan Requirements
Minimum 580 credit score to qualify with 3.5% down (Scores between 500–579 may qualify with 10% down)
Stable income and employment history (usually 2 years)
Property must be your primary residence, not for investment
Debt-to-income (DTI) ratio flexibility, usually up to 43–50%
FHA-approved property and appraisal required
Loan Process
Overview
1:Get Pre-Approved
Start with a quick and easy pre-qualification.
2:Choose Your Home
Find the perfect home that meets your goals.
3:Submit Documents
We’ll help guide you through the paperwork.
4:Close Your loan
Sign, fund, and receive your keys!
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Valor Mortgage is powered by Encore Lending Group, LLC NMLS 1249911,
Christopher Armantrout Loan Officer NMLS 1210804
