Low initial down payment.
Low Down Payment
Get into your dream home with as little as 3.5% down payment, making homeownership more accessible.
Flexible Credit Requirements
With a credit score as low as 580, FHA loans offer more flexibility for borrowers, increasing your chances of approval.
Fixed-Rate Security
Lock in predictable monthly payments with fixed-rate FHA mortgages, providing financial security.
Maximize your homeownership benefits with FHA loans
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Versatile loan terms, offering a choice between 15 to 30 years for the loan duration.
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Competitive interest rates provided by HLRI.
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Freedom to reduce your principal at any time without incurring penalties.
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Availability in both fixed and adjustable-rate mortgage options.
FHA Mortgage Calculator - Planning at Your Fingertips
Effortlessly explore FHA mortgage possibilities using our calculator, offering real-time loan amount and rate calculations.
Verify your eligibility in seconds!
Find out if you're FHA-ready now
To make your property eligible for our services, it should:
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Serve as your main residence.
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Be inhabited within the initial 60 days after the closing date.
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You must provide a 3.5% down payment to buy your new home.
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For an FHA home home loan, allocate 3% to 6% of the purchase price for closing expenses.
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An initial 1.75% mortgage insurance premium and monthly MIP are also part of the cost.
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Maintaining a minimum credit score of 580.
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Providing proof of employment.
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Keeping your debt-to-income ratio below 43%.
First time home buyer loan requirements
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A valid driver's license or government-issued photo ID.
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You'll need your Social Security Number for credit and background checks.
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Employment Verification Status
- Pay stubs covering the most recent 30 days.
- W-2 forms for the past two years.
- If self-employed, profit and loss statements and tax returns for the past two years.
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Typically, two months' worth of bank statements for all accounts, including savings, checking, and any other asset accounts.
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Signed and dated federal tax returns for the past two years.
Customer Stories
Jennifer Smith
Los Angeles, California
I can't thank HLRI enough for their assistance with easy online fha loan application. They made the process smooth and stress-free. Their team was knowledgeable, responsive, and helped me secure a great rate. I highly recommend HLRI for anyone considering an FHA loan.
Emily White
Miami, Florida
HLRI made my FHA loan journey effortless. Their team was attentive, answering all my questions promptly. They offered competitive rates and guided me with expertise. If you're looking for a trustworthy partner for FHA loans, HLRI is the way to go.
Robert Johnson
Houston, Texas
HLRI delivered exceptional service throughout my FHA loan application. They explained every detail clearly, making me feel confident in my decisions. The rates they offered were competitive, and the team's professionalism was impressive. A top-notch choice for FHA loans.
Michael Adams
Phoenix, Arizona
I couldn't be happier with HLRI's FHA loan assistance. They went above and beyond, securing a rate that fit my budget perfectly. Their team's responsiveness and professionalism made the entire process a breeze. I highly recommend HLRI to anyone seeking an FHA loan.
Sarah Davis
Chicago, Illinois
HLRI exceeded my expectations with various types of FHA loans. Their expertise and commitment to clients shone through. They guided me step by step, ensuring I understood the process. I felt supported and confident in my choice. Truly a fantastic experience!
