Florida FHA Loans

FHA loans are a popular choice for many reasons. The lower down payment requirement and fixed interest rate make it appealing for many first time buyers or those who are on a tighter home buying budget. However, an FHA loan may not be the best choice for everyone. Talk to one of our experienced loan officers today to explore FHA loans as well as other options and see if this home financing program suits your specific needs.

Contact us today at (813) 863-9464 or request a no obligation rate quote.

Why Consider a FHA Mortgage?

  • Lower Downpayment

    FHA loans can be a good, low down payment alternative to conventional mortgages which often require 5-20% down. If coming up with a large down payment is the only thing holding you back from buying a home, an FHA loan could be the best solution.

    More Lenient Requirements

    FHA borrowers may be able to qualify with less than perfect credit. Furthermore, FHA loans carry less restrictive guidelines when compared to many other conventional loans.

    Competitive Rates

    Because FHA loans are backed by the Federal Housing Administration, lenders like us are able to offer the loans at competitively low rates.

  • Streamline Refinancing

    If you already have an FHA loan on your home and are ready to consider refinancing, our FHA streamline refinancing solutions may help reduce some of the costs associated with refinancing a mortgage. Not to mention there is considerably less paperwork required and the turnaround time is generally much less than with a typical refinance.

    Higher Cash-Out Limits

    Take advantage of cashing out some of the equity in your home to help pay for other financial obligations. FHA loans can have a higher cash-out loan-to-value threshold than many other mortgage products.

    Home Improvements

    If you’re purchasing a home that could use some improvements, an FHA 203K loan can help. With this loan program, borrowers can take advantage of all the benefits associated with an FHA loan, plus use it to finance the cost of certain repairs. Essentially, the program acts as two loans in one, eliminating the need for borrowers to take out a more costly second mortgage or Home Equity Line of Credit (HELOC) for repairs.

  • Paperwork You’ll Need

    • Social Security numbers for both you and any co-borrowers
    • Copies of checking and savings accounts statements for the past two months
    • Evidence of any other assets such as bonds, stocks, or money saved in retirement programs (i.e. 401k or 403b program)
    • Recent paycheck stubs
    • W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment
    • The name and address of someone who can verify your employment
    • Residence history for the past two years
    • Sales contract for the purchase of a new home
    • Homeowner’s association information with contact information if property is a condo or part of a homeowner’s association

    Contact us today for a full list of paperwork required to complete the application and underwriting processes.

  • Contact Us

    Thank you for your interest in Home Access Financial. You can request additional information using any of the following methods:

    • Call (813) 863-9464
    • Complete the rate quote form on this page

    Why Us?

    • Wide Variety of Programs
    • Fast Turn Times
    • Dedicated Service
    • Streamline Loan Process