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Low down payments, flexible credit requirements, and affordable monthly payments. The FHA loan is America's favorite first-time homebuyer program — available in Texas and Arkansas.
An FHA loan is a mortgage insured by the Federal Housing Administration, a part of the U.S. Department of Housing and Urban Development (HUD). Because the government backs a portion of the loan, lenders face less risk — which means they can offer lower down payments, more flexible credit requirements, and competitive interest rates to borrowers like you. FHA loans are one of the most popular options for first-time homebuyers in Texas and Arkansas.
Put as little as 3.5% down — far less than the 20% many buyers think is required.
Credit scores as low as 580 qualify for the 3.5% down option. Scores 500-579 may qualify with 10% down.
Your entire down payment can come from a gift from family, an employer, or a qualified nonprofit.
Because FHA loans are government-insured, lenders can offer lower interest rates than many conventional options.
Sellers can contribute up to 6% of the purchase price toward your closing costs, reducing out-of-pocket expenses.
Fill out our quick form or call Rosalyn. We will review your finances and determine how much home you can afford.
Shop with confidence knowing exactly what you qualify for. Your pre-qualification letter shows sellers you are serious.
Submit your documents — pay stubs, tax returns, and bank statements. Rosalyn guides you through every step.
After underwriting and appraisal, you sign your closing documents and get the keys to your new home.
Ready to take the first step? Fill out the form and Rosalyn will personally guide you through the FHA loan process. Available in English and Spanish.