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Enjoy A Low Down Payment With An FHA Loan
When Purchasing Your Home
Secure the perfect low down payment or gift-assisted FHA loan today with the help of Assurance Financial.
The FHA loan is most beneficial for you if you need to use gift funds or if you need a low down payment, or both. It’s designed to fit your financial needs and minimize the stress of buying a new home.
WHAT YOU NEED TO KNOW

When financing a home, it’s important to consider the following:

  • What is your credit score?
  • How much of a down payment can you afford?
  • What is your debt-to-income (DTI) ratio?
  • Where is your future home located?
DOCUMENTS YOU’LL NEED

Gather the following documents to ensure a smooth application process:

  • Asset Information
  • Proof of Recent Income
  • Tax Returns
  • Driver’s License
WHAT WE LOOK FOR

We help get you approved for the perfect loan. This is what we look for:

  • Salaried employment or income for the last 2 years
  • Valid SSN and proof of lawful residency
  • Minimum down payment
  • Only for your primary residence
HERE ARE
Common FAQs
Let The Home Loan Experts
Help Secure Your Home.
What is an FHA Loan?
An FHA loan is a mortgage created by the Federal Housing Administration during the 1930s in response to a wave of foreclosures and defaults. The loan program is popular with first time home buyers because it permits low down payments and/or the assistance of gift funds.
Is there a limit to how much i can borrow with my FHA Loan?
There are limits to how much you can borrow. However, they vary depending on where you live. For example, in high-cost markets, expect the FHA Loan limit to be as high as $625,500, but in most markets, limits are much less. A loan officer at Assurance Financial can educate you on the limits in the area you’re looking to buy your home.
My credit score is less-than-perfect. Can I qualify for an FHA Loan?
FHA Loans are designed to suit borrowers with lower credit scores. If the applicant has a low credit score, it does not automatically deem them ineligible.
Can I refinance my FHA Loan?
Yes! The FHA offers the Streamline Refinancing program, which minimizes the amount of documentation needed to refinance FHA Loans. As long as your mortgage is up to date, using the refinancing program will reduce your monthly payments or transition your loan from adjustable to fixed interest rates.
GET PRE-QUALIFIED
FOR AN FHA LOAN TODAY!

A pre-qualification letter gives you a competitive advantage so your Realtor and Seller know you’re serious. Fill out the form and a Home Loan Expert will be in touch.

  • WHAT CAN WE HELP YOU WITH?
  • This field is for validation purposes and should be left unchanged.
A Passionate Team of Experts
Helping You Get The Loan You Need.
NOT READY TO PRE-QUALIFY?
Use our First Time Home Buyer Checklist to get a rundown of everything you need to make the process go as smoothly as possible.