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San Rafael FHA mortgage broker


FHA loans have been helping people become homeowners since 1934.

Some benefits of FHA are:

  • Low down payments--as low as 3.5% of the purchase price
  • Low closing costs
  • Easy credit qualifying
  • Cosigner(s) ok
  • Higher debt to income ratios allowed vs. conventional home loans
  • FICO as low as 500 allowed

Buying your first home?

FHA might be just what you need. Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be included in the loan. Available on 1-4 unit properties.

Want a fixer-upper?

FHA has a loan that allows you to buy a home, fix it up, and include all the costs in one loan. Or, if you own a home that you want to re-model or repair, you can refinance what you owe and add the cost of repairs - all in one loan.

Want to make your home more energy efficient?

You can include the costs of energy improvements into an FHA Energy-Efficient Mortgage.

How about manufactured housing and mobile homes?

Yes, FHA has financing for mobile homes and factory-built housing. The unit must be on its own land and affixed via an acceptable foundation and must have been built post June 15, 1976.