FHA Loan

Doug Heide and the Heidesert Mortgage Team are a part of the Evergreen Home Loans Family and offer the highest quality service for FHA Loans.  Home loans are the only thing that we do and we are completely dedicated to making sure that your experience purchasing or refinancing your home is smooth and enjoyable.  First time homebuyers are welcome.

What is an FHA mortgage?

FHA mortgage loans are issued by federally qualified lenders certified by the U.S. Federal Housing Authority, a division of the U.S. Department of Housing and Urban Development.

FHA loans are an attractive option, especially for first-time homeowners:
  • Generally easier to qualify for than conventional loans.
  • Lower down payment requirements.
  • Cannot exceed statutory loan limits.
  • Down payment gifts may be from family members, employers, or persons with whom the borrower has had a long standing, close (family type) relationship.
  • Non-occupying, co-mortgagors are also permitted to assist buyers with qualifying. Generally, the same relationship to the buyer must exist as indicated in the gift commentary above. Co-mortgagors must be credit qualified, sign the note and appear on the deed of trust at closing.
  • Even if you had less-than-perfect credit in the past, you may qualify for an FHA loan – ask us for details.
  • Credit Scores as low as 580 may still qualify for the minimum FHA down payment -- Credit Scores under 580 may qualifiy with a slightly larger down payment.  Find out what you will qualify for here clicking here
  • 100% financing – some options are available to secure a down payment in the form of a community second mortgage. These options can be explored with Doug.
  • Sellers and builders are allowed to pay closing costs for the FHA borrower. In many cases most or all of the borrower's closing costs.

Want to find out if you qualify for an FHA loan?

Call now – (760) 963-1643 or e-mail dheide@evergreenhomeloans.com for a free Pre-Qualification consultation. You can even Apply Now by clicking here.


Apply Now

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