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At Finance West Lending. we make homeownership possible
for more famifies with FHA loans – a government-backed
mortgege option designed to help first-time buyers, repeat
buyers, and those with less than-perfect credit.
Whether you’re buying your first home, refinancing. or
upgrading to your next property, FHA loans offer flenible
requirements and low down payment options that make
financing more accessible.
As little as 3.5% down, making it easier to purchase a home without waiting years to save.
Designed to help borrowers with low to moderate credit scores qualify.
Government backing helps keep rates affordable.
Use an FHA loan to buy a home, refinance an existing mortgage, or even access cash-out options.
FHA loans can be transferred to qualified buyers, giving you an advantage if you decide to sell.
FHA loans are one of the most popular options for first-time homebuyers.
Lower down payments and flexible guidelines mean you may qualify for more home with less upfront cost.
Backed by the Federal Housing Administration, FHA loans give lenders and buyers confidence in the process.
Lower your monthly payment or take cash out of your home with FHA refinance programs.
An FHA loan could be the right choice if you:
Want to buy a home with less money down.
Have a lower credit score and still want to qualify.
Are a first-time homebuyer looking for an affordable path to ownership.
Want a mortgage backed by the stability of a government program.
Yes. FHA loans require both an upfront mortgage insurance premium (1.75% of the loan amount) and an annual premium paid monthly. Unlike conventional loans, FHA mortgage insurance stays for the life of the loan if you put less than 10% down.
No. FHA loans are for primary residences only — you must live in the home as your main residence. For investment properties, a conventional or DSCR loan would be the right fit.
FHA loan limits vary by county. In high-cost areas like most dense urban areas the limit is significantly higher than the national baseline. The limits change almost every year. For exact limits in your area, give us a call or email us. We are happy to help you on your home owner journey.
FHA loans require as little as 3.5% down if your credit score is decent. If you have worse credit, you may have to put down 10%.
FHA is much more flexible. Conventional loans typically require a 620–640 minimum, while FHA goes as low as 500. This makes FHA a popular choice for first-time buyers or anyone who has had past credit challenges but is financially ready to own a home.
At Finance West Lending, we specialize in guiding borrowers through every step of the FHA loan process. Our experienced mortgage professionals make financing simple, transparent, and tailored to your needs.
Confirm your eligibility and obtain your COE.
Compare FHA loan rates and terms.
Understand FHA loan limits in your area.
Close on your home quickly with personalized service every step of the way.
If you’re ready to explore FHA loan options, our team at Finance West Lending is here to help. Get started today with a free consultation and see how we can make homeownership more affordable for you.
Let the Experts at Finance West give you the Options to Explore the Benefits
A California mortgage lender offering flexible loan programs, creative financing, and personalized guidance for homebuyers and investors.
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