Texas FHA Mortgage Lenders – Texas FHA Home Loans!
Are you a 1st Texas time home buyer? FHA loans are a great option for Texas first time home buyers and might be just what you need. Texas FHA mortgage lenders down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be covered through seller allowed concessions up to 6%. Call us today or complete the quick contact form on the right side of this page to visit with a Texas FHA mortgage lenders home loan consultant to help educate you and walk you through the FHA mortgage loan process. If you are ready to begin the process simply click the apply now to complete the Texas FHA mortgage application.
FHA Mortgage Advantages for Texas FHA Mortgage Applicants Include
- Great 1st Time Home Buyer
- 3.5% Down Payment
- Lower Rates / Easier Qualifying
- Low Credit Scores / Alt Credit OK
- Down Payment Assistance
- Gifts Allowed
- Higher Debt to Income Allowed
- Co -Borrowers Allowed
- Streamline Refinance Available
Texas FHA Mortgage Lenders Loan Requirements
- Down Payment – 3.5% of the purchase is the minimum down payment available. A higher down payment may be needed depending on Texas FHA mortgage applicants credit score.
- Credit Score – A minimum credit score of 580 is needed to qualify for maximum financing. Texas FHA mortgage applicants with lower credit score may be qualified with higher down payment.
- Debt to Income Requirements – Texas FHA mortgage applicants must have a debt to income ratio of 43% is generally needed if your credit score is under 620. A higher ratio of all the way up to 56.9% may be approved if the credit score is at least 620.
- Property Requirements – All properties must meet certain security, safety, and structural integrity requirements. We can do single family houses, mobile homes on land, townhouses and some condos.
It is easier to qualify for a Texas FHA loan in many cases. This is because HUD which oversees Texas FHA mortgage lenders has less strict guidelines when it comes to a customer with credit problems, such as bankruptcy, foreclosure etc. Texas FHA mortgage lenders offer these benefits to FHA mortgage applicants and can be the best choice for Texas first time buyers and refinance applicants.
Texas FHA mortgage lenders
FHA is an abbreviation for the Federal Housing Administration and is a part of HUD aka U.S. Department of Housing and Urban Development . Congress created HUD and the FHA in 1934 to make it easier for Texas FHA mortgage lenders to offer Texan mortgage applicants to qualify for a mortgage. They do this by insuring mortgages for single family and multifamily homes. Texas FHA mortgage lenders insurance provides lenders with protection against a loss if a FHA homeowner defaults on a loan. Loans must meet requirements established by the FHA to qualify for this insurance. FHA and HUD have insured over 34 million homes since 1934. They are the largest insurer of mortgages in the world. Texas FHA mortgage lenders service all of Texas.
Serving All Texas Including
Texas
25,145,561
Houston city
2,099,451
San Antonio city
1,327,407
Dallas city
1,197,816
Austin city
790,390
Fort Worth city
741,206
El Paso city
649,121
Arlington city
365,438
Corpus Christi city
305,215
Plano city
259,841
Laredo city
236,091
Lubbock city
229,573
Garland city
226,876
Irving city
216,290
Amarillo city
190,695
Grand Prairie city
175,396
Brownsville city
175,023
Pasadena city
149,043
Mesquite city
139,824
McKinney city
131,117
McAllen city
129,877
Killeen city
127,921
Waco city
124,805
Carrollton city
119,097
Beaumont city
118,296
Abilene city
117,063
Frisco city
116,989
Denton city
113,383
Midland city
111,147
Wichita Falls city
104,553
Odessa city
99,940
Round Rock city
99,887
Richardson city
99,223
Tyler city
96,900
Lewisville city
95,290
College Station city
93,857
San Angelo city
93,200
Pearland city
91,252
Allen city
84,246
League City city
83,560
Longview city
80,455
Sugar Land city
78,817
Edinburg city
77,100
Mission city
77,058
Bryan city
76,201
Baytown city
71,802
Pharr city
70,400
Missouri City city
67,358
Temple city
66,102
Harlingen city
64,849
Flower Mound town
64,669
North Richland Hills city
63,343
Victoria city
62,592
New Braunfels city
57,740
Mansfield city
56,368
Conroe city
56,207
Rowlett city
56,199
Port Arthur city
53,818
Euless city
51,277
DeSoto city
49,047
Cedar Park city
48,937
Galveston city
47,743
Georgetown city
47,400
Bedford city
46,979
Pflugerville city
46,936
Grapevine city
46,334
Texas City city
45,099
Cedar Hill city
45,028
San Marcos city
44,894
Haltom City city
42,409
Wylie city
41,427
Keller city
39,627
Coppell city
38,659
Huntsville city
38,548
Duncanville city
38,524
Sherman city
38,521
Rockwall city
37,490
Hurst city
37,337
Burleson city
36,690
Texarkana city
36,411
Lancaster city
36,361
The Colony city
36,328
Friendswood city
35,805
Weslaco city
35,670
Del Rio city
35,591
Lufkin city
35,067
San Juan city
33,856
La Porte city
33,800
Nacogdoches city
32,996
Copperas Cove city
32,032
Socorro city
32,013
Deer Park city
32,010
Schertz city
31,465
Rosenberg city
30,618
Waxahachie city
29,621
Cleburne city
29,337
Farmers Branch city
28,616
Kyle city
28,016
Big Spring city
27,282
Lake Jackson city
26,849
Harker Heights city
26,700
Southlake city
26,575
Leander city
26,521
Eagle Pass city
26,248
Kingsville city
26,213
Little Elm city
25,898
Greenville city
25,557
Weatherford city
25,250
Seguin city
25,175
Paris city
25,171
San Benito city
24,250
Alvin city
24,236
Corsicana city
23,770
Balch Springs city
23,728
Marshall city
23,523
Watauga city
23,497
University Park city
23,068
Colleyville city
22,807
Denison city
22,682
Kerrville city
22,347
Plainview city
22,194
Benbrook city
21,234
Sachse city
20,329
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