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Dallas FHA Home Loans

Are you thinking about looking for your first home in Dallas or maybe an investment property? Maybe you’ve heard that interest rates are at an all time low. If you’re thinking about getting a checklist ready to find out what kind of financing you need, what you can afford and what your options are, that’s a great place to start! If you live in the Dallas, Texas, area you should think about an FHA home loan for your new dream home. FHA loans are relatively easy to get with little to no money down and that means you can find a 30-year fixed mortgage that you can afford. When you find the property you want, you also need to find a local Dallas mortgage lender that can work with your local realtor.

When you search for Dallas FHA home loans, you will notice that there are a few things you will need when you get ready to apply for your loan. The process is relatively easy as your checklist should include things like pay stubs for the past year, bank statements, all utility bills, employment verification that will include a letter from your job to confirm your salary, your rental history in your current apartment and your application so the lender can run a credit report. If your credit is strong, you may find that you don’t need hte traditional 10-20% down, and you might only need 5%, but save the extra money for your closing costs.

FHA Loans

  • 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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More about FHA Loans in Dallas

Available to all buyers, FHA loan programs are primarily designed to help low-income and moderate income families who do not meet requirements for conventional loans that adhere to more strict underwriting guide lines. However there are cases in which borrowers who are eligible for conventional financing would still choose a FHA loan.

When you’re ready to speak with someone about your new home or investment property, be sure to look for Dallas FHA mortgages in Dallas, TX. That’s why we want you to contact Lone Star Financing. With available mortgage lending services all over Texas, the mortgage team at Lone Star Financing can work with you to ensure you get the lowest rates and minimal fees for that new dream home or investment property. To speak with someone today about an FHA home loan in Dallas please call today or apply online!

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