Austin FHA Mortgage Experts
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Austin FHA Home Loans

First time home buyer in Austin, TX? A FHA home loan will most likely be the best home loan option for you. Securing home financing for your dream home in Austin, Texas doesn’t have to be a hassle, no matter what your budget is like or what kind of home you have in mind. With Austin, TX FHA Home Loans, it’s easier than ever to obtain a loan through the government’s Federal Housing Administration program to purchase a home for you and your family. Intended for individuals with less available cash or lower credit scores, loans through the FHA program generally match standard market interest rates but do not require a significant down payment, making these loans perfect for new homeowners or young adults seeking a first residence. The FHA does not directly provide loans, but rather offers mortgage protection insurance in a way that allows lenders to provide financing to those who may not ordinarily qualify for a mortgage.

Austin FHA home loans are a great way to simplify the process of purchasing a home while still maintaining financial security. Rather than worrying about the stress traditional mortgage lenders can create and struggling to save the cash to put down on a new home, FHA loans make it easy for anyone to get financing. Designed to give new buyers and those short on available cash an effective alternative, this government program is simple to qualify for and is eligible for most Americans looking to purchase affordable family homes. With a down payment as low as 3.5% and competitive interest rates, it’s possible for millions of Americans to save money while still making the dream of owning a home an affordable reality.

FHA Loan Advantages

  • Simple Qualifying
  • Only a 3.5% Down Payment Required
  • 100% Allowed with Approved Gift Fund Source
  • Seller Paid Closing Costs to 6%
  • More Flexible Underwriting Criteria
  • Higher Debt to Income Ratios Allowed
  • Lower Minimum Credit Scores
  • No Prepayment Penalties
  • Streamline Refinance Available
  • Manufactured Housing OK (Subject to Restrictions)

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FHA Loans in Austin

In addition to making it possible to purchase a home without excessive cash on hand, FHA mortgages in Austin come with additional benefits, including seller paid closing costs of 6%, more flexible underwriting criteria, and lower minimum credit scores. Borrowers can also expect other advantages, like no prepayment penalties, a simple qualification process, and options available for manufactured homes. Available to help residents of Austin, TX since 1934, the U.S. Department of Housing and Urban Development makes it simple to secure financing on the home you and your family have always wanted. Call us today or apply online for your Austin FHA Home Loan.

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No matter what part of Texas you live in, Lone Star Financing has the resources to serve you. Specializing in New Home Loans; FHA and VA mortgages; and Mortgage Refinance. Find your city below and discover how we’ve helped your neighbors finance their homes!

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