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TEXAS FHA MORTGAGE LENDERS

TEXAS FHA MORTGAGE LENDERS

Good Credit – Bad Credit No Credit + No Problem + We work with everyone towards home ownership! Whether you’re a first time home buyer, moving to a new home, or want to FHA refinance your existing conventional or Texas FHA mortgage, we will show you how to purchase or refinance a home using our  stated mortgage program or  bank statment only mortgage program.

Do you have less than perfect credit? Or have less than 20% for a down? Then the FHA or VA  mortgage might be right for you. And if not, we have other Options for you!

When you decide to apply for a FHA home loan through FHA mortgage lender you need to know you’re dealing with experienced full-time mortgage lending professionals who know FL real estate. We offer a huge assortment of Texas  VA lenders including FHA, Conventional & Private mortgage programs built around Texas home buyers and homeowners.

Whether you’re buying a first Texas home using our great FHA mortgage program or refinancing a Texas home you already own using traditional Florida mortgage financing, nothing helps more than having a seasoned Texas FHA mortgage lender working hard answer all your Texas FHA mortgage questions!

FHA MINIMAL DOWN PAYMENT AND FEES:

  • Down payment only 3.5% of the purchase price, down payment assistance and closing costs OK!
  • Sellers can credit the buyer’s up to 6% of sales price towards buyers costs and pre-paid.
  • No reserves or future payments in account required.
  • FHA regulated closing costs.
  • Read more about buying a home with an FHA mortgage Bad Credit No Credit FHA GuidelinesDebt To Income Limits

FHA IS EASIER TO QUALIFY:

  • 12 months after a chapter 13 Bankruptcy FHA mortgage Lender approvals!
  • 24 months after a chapter 7 Bankruptcy FHA mortgage Lender approvals!
  • 3 years after a Foreclosure FHA mortgage Lender approvals!
  • No Credit Score FHA mortgage Lender approvals!
  • 580 required for 96.5% financing or 3.5% down payment FHA mortgage Lender approvals.
  • 500 required for 90% financing or 10% down payment FHA mortgage Lender approvals.
  • Bad Credit with minimum 500 FICO credit score with 10% Down Payment FHA. 

FHA OK WITH HIGHER DEBT EASIER QUALIFYING:

  • FHA allows higher debt ratio’s than any conventional mortgage loan programs.
  • Less than (2) two years on the same job is OK!
  • Self-employed buyers can also qualify with FHA Mortgage Lenders.
  • Read More about Gifts For Down Payment – Documents Checklist – Debt To Income – Student Loans.
Regardless of your situation we work with EVERYONE to get them Pre Approved! We will counsel you FREE OF CHARGE until you qualify for a mortgage!

Texas Mortgage Lenders Loan Programs Include:

 

FHA MORTGAGE ALL PROPERTY TYPES:

  1. Single family Homes
  2. Town House- check for lot and/or block legal descriptions.
  3. Villas- check for lot and/or block legal descriptions.
  4. Modular Homes
  5. Manufactured homes
  6. FHA Approved condominium – Search Florida FHA Approved Condos

FHA MORTGAGE BENEFITS:The FHA mortgage is so popular is because Florida mortgage applicants  use them are able to take advantage of benefits and protections unavailable with any other mortgage loan program. Loans through the FHA are insured by the government, so the Florida mortgage lenders that approve these loans are more lenient. The advantages are outweigh any other mortgage program and include and include the following:

  • Lower Cost & Fees- In addition to lower interest rates, FHA borrowers enjoy lower costs on other fees like closing costs, FHA mortgage insurance and  govt regulated closing cost.
  • Easier to Qualify- While most mortgage loans prohibit applicants with bad credit history and low credit scores, the FHA mortgage loans available with lower requirements so its easier for you to qualify.
  • Lowest  Interest Rates- You’ve heard the horror stories of subprime borrowers who couldn’t keep up with their mortgage interest rates. Well, FHA loans usually offer lower interest rates to help homeowners afford housing payments.
  • Bankruptcy / Foreclosure- Even If you’ve filed for bankruptcy or suffered a foreclosure in the past few years doesn’t mean you’re excluded from qualifying for an FHA loan. As long as you meet other requirements that satisfy the FHA, such as re-establishment of good credit, solid payment history, etc., you can still qualify.
  • No Credit Score/ No Trade Lines OK! – The FHA usually requires two lines of credit for qualifying applicants. If you don’t have a sufficient credit history, you can try to qualify through a substitute form.

For many Florida FHA mortgage applicants, using an FHA mortgage can really make the difference between owning your dream house affordability and getting out of the never ending rental trap. The FHA mortgage provides a wealth of benefits for Florida mortgage applicants that qualify, so please make full use of them.

 

FHA BUYER QUESTIONS:

  • What is an FHA Mortgage loan? The FHA is a division of the Department of (HUD) Housing and Urban Development. An FHA mortgage loan is a mortgage that is insured by the Federal Housing Administration (FHA) and funded by private Florida FHA approved mortgage lenders.
  • Are FHA mortgage for first time home buyers only? NO, FHA mortgage loans are NOT for firsttime Texas buyers only. FHA loans can be used by  Texas first time buyers and repeat buyers alike. The FHA mortgage is often marketed as a product for ” Texas firsttime buyers” because of its low down payment and flexible qualifying requirements. TexasFHA mortgage applicants can purchase an FHA approved investment property using and FHA mortgage loan. 
  • How Does The FHA Mortgage Insurance Work? Anyone who takes out an FHA mortgage finances the insurance into the FHA mortgage loan amount. This “Up Front Mortgage Insurance ” cost is called the “UFMIP”. The upfront mortgage insurance premium paid on all FHA mortgages is paid to the government and use the funding fee money to reimburse Texas FHA Mortgage lenders who were forced to foreclose on mortgages that were financed to bad credit mortgage applicants. Think of the funding fee as the foreclosure “insurance fund” for the FHA Florida Mortgage Lenders. In addition to the upfront funding fee, the borrower is also required to pay a small monthly fee to the FHA as part of their monthly mortgage payment. The monthly fee is called monthly MIP or mortgage insurance premium.
  • Do I have to be a Texas time mortgage buyer to use the FHA mortgage? No you do not have to be a first time Texas home buyer but the FHA mortgage is only for a Primary home purchase only.
  • Can I roll all the closing costs into the FHA mortgage? You are permitted to finance the upfront FHA funding fee only. FHA mortgage closing costs can be paid by the seller up to 6% and must be negotiated up front in your purchase and sale agreement.
  • Can I get an FHA Mortgage after a Foreclosure or Bankruptcy? YES! you can qualify for a Texa FHA mortgage 3 years after the title was transferred out of your name.A borrower may also still qualify for an FHA insured loan after declaring Chapter 13 bankruptcy, if at least 1 year of the bankruptcy payout period has passed and the borrower has been making satisfactory payments. In these cases, the FHA mortgage applicant must also request permission from the court to enter into a new FHA mortgage loan. declaring Chapter 7 bankruptcy, if at least 2 years have passed since the bankruptcy discharge date. FHA mortgage applicants must also have re-established good credit or have opted to incur no new debts (this means you specifically chose to take out no new loans, credit cards, etc.)
  • What is the minimum down payment for FHA Mortgage? Currently, 3.5% can from family gift or grant.
  • Can my parents or other relatives give me money? Yes, provided the money is considered a gift and your relative sign and date the proper gift letter documentation.
  • Is there a maximum FHA Mortgage Loan Amount? Yes, see maximum loan limits below based on the Florida county.

TEXAS FHA MORTGAGE LINKS OF INTEREST:

We provide free credit counseling to and work with everyone to get PRE APPROVED!

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Here are the FHA Mortgage loan limits for Texas (alphabetical by county):

County 1-Family 2-Family 3-Family 4-Family
ANDERSON $275,665 $352,950 $426,625 $530,150
ANDREWS $275,665 $352,950 $426,625 $530,150
ANGELINA $275,665 $352,950 $426,625 $530,150
ARANSAS $275,665 $352,950 $426,625 $530,150
ARCHER $275,665 $352,950 $426,625 $530,150
ARMSTRONG $275,665 $352,950 $426,625 $530,150
ATASCOSA $327,750 $419,550 $507,150 $630,300
AUSTIN $331,200 $424,000 $512,500 $636,900
BAILEY $275,665 $352,950 $426,625 $530,150
BANDERA $327,750 $419,550 $507,150 $630,300
BASTROP $361,100 $462,250 $558,750 $694,400
BAYLOR $275,665 $352,950 $426,625 $530,150
BEE $275,665 $352,950 $426,625 $530,150
BELL $275,665 $352,950 $426,625 $530,150
BEXAR $327,750 $419,550 $507,150 $630,300
BLANCO $275,665 $352,950 $426,625 $530,150
BORDEN $275,665 $352,950 $426,625 $530,150
BOSQUE $275,665 $352,950 $426,625 $530,150
BOWIE $275,665 $352,950 $426,625 $530,150
BRAZORIA $331,200 $424,000 $512,500 $636,900
BRAZOS $275,665 $352,950 $426,625 $530,150
BREWSTER $275,665 $352,950 $426,625 $530,150
BRISCOE $275,665 $352,950 $426,625 $530,150
BROOKS $275,665 $352,950 $426,625 $530,150
BROWN $275,665 $352,950 $426,625 $530,150
BURLESON $275,665 $352,950 $426,625 $530,150
BURNET $275,665 $352,950 $426,625 $530,150
CALDWELL $361,100 $462,250 $558,750 $694,400
CALHOUN $275,665 $352,950 $426,625 $530,150
CALLAHAN $275,665 $352,950 $426,625 $530,150
CAMERON $275,665 $352,950 $426,625 $530,150
CAMP $275,665 $352,950 $426,625 $530,150
CARSON $275,665 $352,950 $426,625 $530,150
CASS $275,665 $352,950 $426,625 $530,150
CASTRO $275,665 $352,950 $426,625 $530,150
CHAMBERS $331,200 $424,000 $512,500 $636,900
CHEROKEE $275,665 $352,950 $426,625 $530,150
CHILDRESS $275,665 $352,950 $426,625 $530,150
CLAY $275,665 $352,950 $426,625 $530,150
COCHRAN $275,665 $352,950 $426,625 $530,150
COKE $275,665 $352,950 $426,625 $530,150
COLEMAN $275,665 $352,950 $426,625 $530,150
COLLIN $362,250 $463,750 $560,550 $696,650
COLLINGSWORTH $275,665 $352,950 $426,625 $530,150
COLORADO $275,665 $352,950 $426,625 $530,150
COMAL $327,750 $419,550 $507,150 $630,300
COMANCHE $275,665 $352,950 $426,625 $530,150
CONCHO $275,665 $352,950 $426,625 $530,150
COOKE $275,665 $352,950 $426,625 $530,150
CORYELL $275,665 $352,950 $426,625 $530,150
COTTLE $275,665 $352,950 $426,625 $530,150
CRANE $275,665 $352,950 $426,625 $530,150
CROCKETT $275,665 $352,950 $426,625 $530,150
CROSBY $275,665 $352,950 $426,625 $530,150
CULBERSON $275,665 $352,950 $426,625 $530,150
DALLAM $275,665 $352,950 $426,625 $530,150
DALLAS $362,250 $463,750 $560,550 $696,650
DAWSON $275,665 $352,950 $426,625 $530,150
DEAF SMITH $275,665 $352,950 $426,625 $530,150
DELTA $275,665 $352,950 $426,625 $530,150
DENTON $362,250 $463,750 $560,550 $696,650
DEWITT $275,665 $352,950 $426,625 $530,150
DICKENS $275,665 $352,950 $426,625 $530,150
DIMMIT $275,665 $352,950 $426,625 $530,150
DONLEY $275,665 $352,950 $426,625 $530,150
DUVAL $275,665 $352,950 $426,625 $530,150
EASTLAND $275,665 $352,950 $426,625 $530,150
ECTOR $275,665 $352,950 $426,625 $530,150
EDWARDS $275,665 $352,950 $426,625 $530,150
EL PASO $275,665 $352,950 $426,625 $530,150
ELLIS $362,250 $463,750 $560,550 $696,650
ERATH $275,665 $352,950 $426,625 $530,150
FALLS $275,665 $352,950 $426,625 $530,150
FANNIN $275,665 $352,950 $426,625 $530,150
FAYETTE $275,665 $352,950 $426,625 $530,150
FISHER $275,665 $352,950 $426,625 $530,150
FLOYD $275,665 $352,950 $426,625 $530,150
FOARD $275,665 $352,950 $426,625 $530,150
FORT BEND $331,200 $424,000 $512,500 $636,900
FRANKLIN $275,665 $352,950 $426,625 $530,150
FREESTONE $275,665 $352,950 $426,625 $530,150
FRIO $275,665 $352,950 $426,625 $530,150
GAINES $275,665 $352,950 $426,625 $530,150
GALVESTON $331,200 $424,000 $512,500 $636,900
GARZA $275,665 $352,950 $426,625 $530,150
GILLESPIE $281,750 $360,700 $436,000 $541,800
GLASSCOCK $275,665 $352,950 $426,625 $530,150
GOLIAD $275,665 $352,950 $426,625 $530,150
GONZALES $275,665 $352,950 $426,625 $530,150
GRAY $275,665 $352,950 $426,625 $530,150
GRAYSON $275,665 $352,950 $426,625 $530,150
GREGG $275,665 $352,950 $426,625 $530,150
GRIMES $275,665 $352,950 $426,625 $530,150
GUADALUPE $327,750 $419,550 $507,150 $630,300
HALE $275,665 $352,950 $426,625 $530,150
HALL $275,665 $352,950 $426,625 $530,150
HAMILTON $275,665 $352,950 $426,625 $530,150
HANSFORD $275,665 $352,950 $426,625 $530,150
HARDEMAN $275,665 $352,950 $426,625 $530,150
HARDIN $275,665 $352,950 $426,625 $530,150
HARRIS $331,200 $424,000 $512,500 $636,900
HARRISON $275,665 $352,950 $426,625 $530,150
HARTLEY $275,665 $352,950 $426,625 $530,150
HASKELL $275,665 $352,950 $426,625 $530,150
HAYS $361,100 $462,250 $558,750 $694,400
HEMPHILL $275,665 $352,950 $426,625 $530,150
HENDERSON $275,665 $352,950 $426,625 $530,150
HIDALGO $275,665 $352,950 $426,625 $530,150
HILL $275,665 $352,950 $426,625 $530,150
HOCKLEY $275,665 $352,950 $426,625 $530,150
HOOD $362,250 $463,750 $560,550 $696,650
HOPKINS $275,665 $352,950 $426,625 $530,150
HOWARD $275,665 $352,950 $426,625 $530,150
HUDSPETH $275,665 $352,950 $426,625 $530,150
HUNT $362,250 $463,750 $560,550 $696,650
HUTCHINSON $275,665 $352,950 $426,625 $530,150
IRION $275,665 $352,950 $426,625 $530,150
JACK $275,665 $352,950 $426,625 $530,150
JACKSON $275,665 $352,950 $426,625 $530,150
JASPER $275,665 $352,950 $426,625 $530,150
JEFF DAVIS $275,665 $352,950 $426,625 $530,150
JEFFERSON $275,665 $352,950 $426,625 $530,150
JIM HOGG $275,665 $352,950 $426,625 $530,150
JIM WELLS $275,665 $352,950 $426,625 $530,150
JOHNSON $362,250 $463,750 $560,550 $696,650
JONES $275,665 $352,950 $426,625 $530,150
KARNES $275,665 $352,950 $426,625 $530,150
KAUFMAN $362,250 $463,750 $560,550 $696,650
KENDALL $327,750 $419,550 $507,150 $630,300
KENEDY $275,665 $352,950 $426,625 $530,150
KENT $275,665 $352,950 $426,625 $530,150
KERR $275,665 $352,950 $426,625 $530,150
KIMBLE $275,665 $352,950 $426,625 $530,150
KING $275,665 $352,950 $426,625 $530,150
KINNEY $275,665 $352,950 $426,625 $530,150
KLEBERG $275,665 $352,950 $426,625 $530,150
KNOX $275,665 $352,950 $426,625 $530,150
LA SALLE $275,665 $352,950 $426,625 $530,150
LAMAR $275,665 $352,950 $426,625 $530,150
LAMB $275,665 $352,950 $426,625 $530,150
LAMPASAS $275,665 $352,950 $426,625 $530,150
LAVACA $275,665 $352,950 $426,625 $530,150
LEE $275,665 $352,950 $426,625 $530,150
LEON $275,665 $352,950 $426,625 $530,150
LIBERTY $331,200 $424,000 $512,500 $636,900
LIMESTONE $275,665 $352,950 $426,625 $530,150
LIPSCOMB $275,665 $352,950 $426,625 $530,150
LIVE OAK $275,665 $352,950 $426,625 $530,150
LLANO $275,665 $352,950 $426,625 $530,150
LOVING $275,665 $352,950 $426,625 $530,150
LUBBOCK $275,665 $352,950 $426,625 $530,150
LYNN $275,665 $352,950 $426,625 $530,150
MADISON $275,665 $352,950 $426,625 $530,150
MARION $275,665 $352,950 $426,625 $530,150
MARTIN $285,200 $365,100 $441,300 $548,450
MASON $275,665 $352,950 $426,625 $530,150
MATAGORDA $275,665 $352,950 $426,625 $530,150
MAVERICK $275,665 $352,950 $426,625 $530,150
MCCULLOCH $275,665 $352,950 $426,625 $530,150
MCLENNAN $275,665 $352,950 $426,625 $530,150
MCMULLEN $275,665 $352,950 $426,625 $530,150
MEDINA $327,750 $419,550 $507,150 $630,300
MENARD $275,665 $352,950 $426,625 $530,150
MIDLAND $285,200 $365,100 $441,300 $548,450
MILAM $275,665 $352,950 $426,625 $530,150
MILLS $275,665 $352,950 $426,625 $530,150
MITCHELL $275,665 $352,950 $426,625 $530,150
MONTAGUE $275,665 $352,950 $426,625 $530,150
MONTGOMERY $331,200 $424,000 $512,500 $636,900
MOORE $275,665 $352,950 $426,625 $530,150
MORRIS $275,665 $352,950 $426,625 $530,150
MOTLEY $275,665 $352,950 $426,625 $530,150
NACOGDOCHES $275,665 $352,950 $426,625 $530,150
NAVARRO $275,665 $352,950 $426,625 $530,150
NEWTON $275,665 $352,950 $426,625 $530,150
NOLAN $275,665 $352,950 $426,625 $530,150
NUECES $275,665 $352,950 $426,625 $530,150
OCHILTREE $275,665 $352,950 $426,625 $530,150
OLDHAM $275,665 $352,950 $426,625 $530,150
ORANGE $275,665 $352,950 $426,625 $530,150
PALO PINTO $275,665 $352,950 $426,625 $530,150
PANOLA $275,665 $352,950 $426,625 $530,150
PARKER $362,250 $463,750 $560,550 $696,650
PARMER $275,665 $352,950 $426,625 $530,150
PECOS $275,665 $352,950 $426,625 $530,150
POLK $275,665 $352,950 $426,625 $530,150
POTTER $275,665 $352,950 $426,625 $530,150
PRESIDIO $275,665 $352,950 $426,625 $530,150
RAINS $275,665 $352,950 $426,625 $530,150
RANDALL $275,665 $352,950 $426,625 $530,150
REAGAN $275,665 $352,950 $426,625 $530,150
REAL $275,665 $352,950 $426,625 $530,150
RED RIVER $275,665 $352,950 $426,625 $530,150
REEVES $275,665 $352,950 $426,625 $530,150
REFUGIO $275,665 $352,950 $426,625 $530,150
ROBERTS $275,665 $352,950 $426,625 $530,150
ROBERTSON $275,665 $352,950 $426,625 $530,150
ROCKWALL $362,250 $463,750 $560,550 $696,650
RUNNELS $275,665 $352,950 $426,625 $530,150
RUSK $275,665 $352,950 $426,625 $530,150
SABINE $275,665 $352,950 $426,625 $530,150
SAN AUGUSTINE $275,665 $352,950 $426,625 $530,150
SAN JACINTO $275,665 $352,950 $426,625 $530,150
SAN PATRICIO $275,665 $352,950 $426,625 $530,150
SAN SABA $275,665 $352,950 $426,625 $530,150
SCHLEICHER $275,665 $352,950 $426,625 $530,150
SCURRY $275,665 $352,950 $426,625 $530,150
SHACKELFORD $275,665 $352,950 $426,625 $530,150
SHELBY $275,665 $352,950 $426,625 $530,150
SHERMAN $275,665 $352,950 $426,625 $530,150
SMITH $275,665 $352,950 $426,625 $530,150
SOMERVELL $362,250 $463,750 $560,550 $696,650
STARR $275,665 $352,950 $426,625 $530,150
STEPHENS $275,665 $352,950 $426,625 $530,150
STERLING $275,665 $352,950 $426,625 $530,150
STONEWALL $275,665 $352,950 $426,625 $530,150
SUTTON $275,665 $352,950 $426,625 $530,150
SWISHER $275,665 $352,950 $426,625 $530,150
TARRANT $362,250 $463,750 $560,550 $696,650
TAYLOR $275,665 $352,950 $426,625 $530,150
TERRELL $275,665 $352,950 $426,625 $530,150
TERRY $275,665 $352,950 $426,625 $530,150
THROCKMORTON $275,665 $352,950 $426,625 $530,150
TITUS $275,665 $352,950 $426,625 $530,150
TOM GREEN $275,665 $352,950 $426,625 $530,150
TRAVIS $361,100 $462,250 $558,750 $694,400
TRINITY $275,665 $352,950 $426,625 $530,150
TYLER $275,665 $352,950 $426,625 $530,150
UPSHUR $275,665 $352,950 $426,625 $530,150
UPTON $275,665 $352,950 $426,625 $530,150
UVALDE $275,665 $352,950 $426,625 $530,150
VAL VERDE $275,665 $352,950 $426,625 $530,150
VAN ZANDT $275,665 $352,950 $426,625 $530,150
VICTORIA $275,665 $352,950 $426,625 $530,150
WALKER $275,665 $352,950 $426,625 $530,150
WALLER $331,200 $424,000 $512,500 $636,900
WARD $275,665 $352,950 $426,625 $530,150
WASHINGTON $275,665 $352,950 $426,625 $530,150
WEBB $275,665 $352,950 $426,625 $530,150
WHARTON $275,665 $352,950 $426,625 $530,150
WHEELER $275,665 $352,950 $426,625 $530,150
WICHITA $275,665 $352,950 $426,625 $530,150
WILBARGER $275,665 $352,950 $426,625 $530,150
WILLACY $275,665 $352,950 $426,625 $530,150
WILLIAMSON $361,100 $462,250 $558,750 $694,400
WILSON $327,750 $419,550 $507,150 $630,300
WINKLER $275,665 $352,950 $426,625 $530,150
WISE $362,250 $463,750 $560,550 $696,650
WOOD $275,665 $352,950 $426,625 $530,150
YOAKUM $275,665 $352,950 $426,625 $530,150
YOUNG $275,665 $352,950 $426,625 $530,150
ZAPATA $275,665 $352,950 $426,625 $530,150
ZAVALA $275,665 $352,950 $426,625 $530,150

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