FHA Mortgage Loans

FHA Loans in San Diego

Federal Housing Administration (FHA) loans are government-insured mortgages designed for lower income borrowers to provide more – and better – housing opportunities. FHA mortgage loans have more flexible qualifying requirements than many other types of home loan.

FHA Loans 101

  • 01. Who It's For
  • 02. Benefits
  • 03. Eligibility

Is an FHA Loan Right for Me?

If you have a low credit score or a small deposit, an FHA loan might be right for you. The qualifying requirements for this type of loan are less strict.

Benefits of an FHA Loan

Own A Home

If you’re stuck renting and can’t afford a large deposit, an FHA loan could get you into your own home.

Low Down Payment

You only need a deposit of 3.5% to qualify for an FHA loan. By contrast, some programs require 20%.

Get Past Poor Credit

It’s possible to get an FHA loan with a credit score as low as 500 (with a 10% deposit). See your options.

Relaxed Qualification

All requirements for an FHA loan are more relaxed than other loan programs – including your debt-to-income ratio.

FHA Mortgage Loan Eligibility Requirements

  • Credit score above 500
  • Small down payment of just 3.5%
  • Consistent and documentable income
  • Primary residence must be home purchased


What Our Clients Say

Andreal & Tina C.

Craig was instrumental in me and my wife buying our first home together. He was able to get us a great rate, even with my low [credit] score, and we were able to move into our new home. We are very pleased with the service and professionalism Craig provided us and will continue to work with him for all of our housing finances in the future.

Heather & Teague G.

We highly recommend UW Funding. We are on our second home purchase with Craig. You lose sleep buying your first home and it’s comforting to know you have the right lender looking out for your best interests. Two years later, we are on our second home and, just like the first, best rate, no fees and thousands of dollars saved!

Michael H.

We are so glad we trusted Craig with our refinance. We were able to take cash out with absolutely no fees! In hindsight, we wished we would have used him for our purchase. Sure enough, we had a straightforward closing with no surprises and we are truly grateful for our friends referring Craig to us.

Begin Your Home Loan Journey Today

Ready to get started? Get a quick quote or contact Craig to ask questions and discuss your options.

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