FHA Loans

Financing with as little as 3.5% down and easier qualification factors.

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Question:

Question:

Are you eager to purchase or refinance but don’t have great credit or a lot of money to put down/equity in your home?

CONSIDER AN FHA LOAN

With an FHA loan from Northpointe Bank, you’ll enjoy low rates, our streamlined process, and the peace of mind that your loan is insured by the Federal Housing Administration (FHA). With flexible qualification guidelines, these loans are particularly designed to benefit first-time homebuyers and buyers who don’t have perfect credit or a lot of money to put down.

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FACTS

Minimum Credit Score:

600

Minimum Down Payment:

3.5%

Max Debt-to-Income:

55%

Max Loan Amount:

$726,525*

Available for:      Primary Residences          Second Homes          Investment Properties    

QUICK
FACTS

Minimum Credit Score:

600

Minimum Down Payment:

3.5%

Max Debt-to-Income:

55%

Max Loan Amount:

$726,525*

Available for:

  Primary Residences
  Second Homes
  Investment Properties

TYPES OF FHA LOANS

FHA offers a variety of different fixed rate and adjustable-rate products for either purchase or refinance. Drill down on the details and find the perfect FHA loan for your unique situation!

Amortization Options:

FHA Cash-Out Refinance

Tap into your home’s equity, and potentially lower your rate or change your loan terms.

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FHA Purchase Loan

Purchase a home with as little as 3.5% down and easier qualification factors.

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FHA Streamline Refinance

Get a lower rate, and save time and money, when refinancing your existing FHA mortgage.

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FHA Standard Refinance

Refinance an existing FHA or different loan type into a new FHA loan with a different rate and/or term.

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  • FHA Loan Limits differ by county. The maximum loan amount indicated on this page is for designated high-cost counties. You can look up the loan limit for your county by following this link. Any FHA loan amount exceeding $484,350 on a single-family home is considered an FHA High Balance Home Loan and is subject to additional qualification guidelines.

CALCULATE YOUR FHA PAYMENT

Fancy yourself a mathematician? Check out our FHA mortgage calculator. But don’t get too excited – consult with one of our mortgage experts to see if you qualify!

Is an FHA Loan Right for You?

Fill out this questionnaire to see if we can help you achieve your homeownership goals with an FHA Loan.

Get Started

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CALL US NOW           804.724.LOAN       OR GET IN TOUCH ONLINE       
CONTACT US

– or –

CALL US NOW

   804.724.LOAN

GET IN TOUCH ONLINE

CONTACT US

FHA Home Loans are available in the following States: All States

Special Offers and Programs

Updated

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Why Choose ?

LOW RATES

We offer some of the lowest mortgage rates in the industry, along with truly innovative, tailored programs.

GREAT SERVICE

Our mission: client-focus. As your personal lender, we value listening and delivering on what is most important to you.

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Move into your new home sooner. Time saved plus low rates equals more savings for you.