The FHA Home Loan

The FHA home loan requires 3.5% down.  They are one of the most popular types of mortgages among home buyers these days, particularly first-time buyers. This is one of the government-backed programs.  One of the highlights of this program is, the down payment can be a gift from a family member.

An FHA loan will allow you to borrow up to 96.5% of the value of your home in 2018, if you have a credit score of 580 or higher. If your credit score is lower than a 580 you will need to be prepared to put 10% down.


What is the FHA Home Loan?

Investopedia defines the FHA Home Loan as follows:

What is an ‘FHA Loan’?

“An FHA loan is a mortgage issued by federally qualified lenders and insured by the Federal Housing Administration (FHA). FHA loans are designed for low-to-moderate income borrowers who are unable to make a large down payment.”

We also offer these other home loans that may be a better fit for you


Get a Conventional Home Loan with as little as 3% down.


Popular for first-time buyers and requires 3.5% down.


0% down for low to moderate income borrowers in rural areas.


Strictly for veterans. You can get into a home with 0% down!

Home Loans & Mortgage Lending at Some of the Lowest Possible Rates

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I just completed a very difficult real estate transaction, and cannot say enough about the outstanding professionalism, quality of service, and subsequent satisfaction and respect I have for Integrity Mortgage.  Phone calls or emails with questions receive immediate responses without ever giving the impression they were otherwise busy or didn't want to take the time handling my concerns.  I would highly recommend Integrity Mortgage!!!

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SPEECHLESS AND GRATEFUL WOULD BE AN UNDERSTATEMENT!!  Jamie went above and beyond for us in such a short period of time. Integrity Mortgage spent HOURS AND HOURS OF NON-STOP BENDING OVER BACKWARDS to fix a problem that have should have been addressed months ago with a previous mortgage company and we almost lost our dream home, but Integrity Mortgage was able to help us close the loan.  You all made everything happen and even more so to our benefit! Interest rate, closing, lender fees, turnaround times etc…  Thank you will never be enough! Thank you for being straight forward with us and not making any promises that you couldn’t follow through on and keep!  HIGHLY RECOMMEND THIS COMPANY!!!!  WE ARE DEFINITELY FOREVER CLIENTS!

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