FHA Purchase Loan

Get Pre-Qualified NOW!!!

Are You Ready To Buy A Home?

Find Out Your eligibility TODAY...

FHA purchase loans, backed by the Federal Housing Administration, offer a more accessible path to homeownership. Known for lower down payments (as low as 3.5% with a credit score of 580 or higher) and lenient credit qualifications, FHA loans cater to diverse financial situations. Even borrowers with higher debt levels may qualify, due to permissible higher debt-to-income ratios. Although mandatory mortgage insurance is required, the benefits of FHA loans often outweigh this cost, making them an ideal option for first-time buyers, those with limited savings, or those recovering from financial hardship. Explore the potential of FHA purchase loans today and make your dream home a reality.

Begin the home buying journey on the right foot by securing a clear mortgage plan. Having a solid financial strategy in place will ensure that your home search is guided by practical considerations, rather than emotions alone.

In which state are you looking to purchase a property?

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What type of property are you interested in purchasing?

Are you a first-time home buyer?

What will be the intended use of the property?

What is your estimated credit score?

What is your gross annual income?

Do you currently work, or have you ever worked, in any public safety or emergency services role that might qualify you for specialized mortgage programs for first responders?

Please indicate your current or previous role in public safety or emergency services that might qualify you for specialized mortgage programs for first responders.

Are you open to working with a HERO real estate agent partner, which could provide you with a possible cash rebate or closing cost credit?

Are you eligible for VA benefits?

What is your full name?

What is your email address?

What is your cell phone?

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NEXT

Getting pre-approved for a home loan is the crucial first step in your home buying journey. Here's why:

  • Know your budget - Pre-approval gives you an idea of what you can afford, allowing you to make informed decisions when shopping for a home.

  • Be a competitive buyer - Having a pre-approval letter shows sellers that you're a serious and committed buyer, making you stand out in a crowded market.

  • Streamline the process - The pre-approval process helps you identify any potential roadblocks early on, allowing you to address them before you find the home of your dreams.

  • Negotiate with confidence - Knowing that you have financing secured gives you the confidence to negotiate the best terms and price for your new home.

Flanagan State Bank

NMLS# 408461

Contact Us

9245 Laguna Springs Dr. Suite 200

Elk Grove, CA 95758

Flanagan State Bank is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Flanagan State Bank will never be discouraged on on the basis of race, color, religion, national origin, sex, military status ,marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential. For more information on the ECOA, please visit:

http://www.ftc.gov/bcp/conline/pubs/credit/ecoa.shtm

© Copyright 2024 | Flanagan State Bank | All rights reserved.

© Copyright 2024 | Flanagan State Bank | All rights reserved.