FHA Loans

Get a quick quote on an FHA Home Loan & learn if you qualify.

FHA Loan Program Description

In 2025, FHA loans remain a top choice for borrowers with limited savings or lower credit scores. A 3.5% down payment is required for credit scores 580+, while scores between 500 and 579 need a 10% down payment. FHA loans come with upfront mortgage insurance of 1.75% and annual premiums between 0.45% to 1.05%. The debt-to-income ratio can go up to 43%, and loan limits range from $472,030 in low-cost areas to $1,089,300 in high-cost areas, making it an accessible option for many buyers.

Misconceptions

High Interest Rates– FHA loans typically have competitive interest rates compared to other loan programs, and they may even be lower than conventional loans in some cases.

Must Be A First Time Home Buyer–FHA loans are intended for first-time home buyers, but you do not need to be a first-time home buyer to utilize an FHA loan. The “first time use” requirement to obtain an FHA loan is that you do not currently have an FHA loan.

Take Longer to Close– While FHA loans do require certain inspections and appraisals, they do not necessarily take longer to close than other loan programs. In fact, FHA loans can sometimes close faster than other loan programs because of the FHA’s appraisal process.

The FHA Loan Process

Here’s how our home loan process works:

Check Eligibility: Ensure your credit score and debt-to-income ratio meet FHA requirements.

Find an FHA Lender: Choose a lender and compare offers.

Get Pre-Approved: Submit financial details for pre-approval.

Find a Home: Look for a property within FHA loan limits.

Submit Application: Complete the loan application with required documents.

Home Appraisal: The lender appraises the property to ensure it meets FHA standards.

Loan Processing:Lender reviews and finalizes your loan.

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Receive personalized guidance from experienced mortgage professionals. Whether you’re buying your first home, refinancing to lower your rate, or tapping into your home equity with a cash-out refinance or HELOC, our loan experts are here to walk you through the process step by step—so you can make confident, informed decisions about your financial future.

C2 Financial has been in business for over 36 years and is now one of the largest and most respected mortgage brokerages in the country. Our success comes from consistently offering some of the lowest rates available while delivering outstanding customer service.

We pride ourselves on treating every client with honesty, integrity, and transparency. Whether you have perfect credit, less-than-perfect credit, or unique financing needs, we offer a full range of programs—FHA, VA, Conventional, Jumbo, Cash-Out, Debt Consolidation, and more. If there’s a way to get it done, we’ll find it.

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Gilbert Ramos | C2 Financial Corporation Licensed in multiple states. NMLS #135622. CA DRE #01821025 | AL #23303 | AZ #919209 | AR #129945 | CO DRE | FL #MBR3519 | HI #HI-135622 | ID #MBL-9475 | IL #MB.67618115 | KS #135622 | KY #MC809104 | LA #135622 | MI #FL0023565 / SR0023566 | MN #MN-MO-135622 | MS #135622 | MT #135622 | NE #135622 | NV #3260 | NM #135622 | OH #RM.804919.000 | OK #MB014489 | OR #ML-4917 | SC #135622 | SD #135622.ML | TN #135622 | TX #135622 | WA #MB135622 | WY #4612. Loan approval not guaranteed; subject to lender’s written approval and borrower meeting all conditions. Rates may vary. C2 is an Equal Opportunity Mortgage Broker/Lender. Not individually approved by FHA/HUD but may originate FHA loans via approved lenders. Texas Consumers: For complaints, contact Texas Dept. of Savings and Mortgage Lending: 2601 North Lamar, Ste 201, Austin, TX 78705 | www.sml.texas.gov | Hotline: (877) 276-5550. Recovery fund info available on website.