FHA Home Loans

Low Money Down FHA Loans

An affordable alternative to conventional financing, with a small down payment, reasonable rates, and lenient credit requirements.

Low minimum down payment (3.5%)
Credit guidelines may be more lenient
Down payment may be a gift
FHA Streamline & cash-out refinancing

Questions? Call Alicia: (757) 755-0206

Fast, Simple Process

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Low Down Payment

FHA Home Loans

Home buyers who are looking for an affordable alternative to conventional mortgage financing may discover FHA loans to be the best option for their needs and budget.

With a small down payment requirement, reasonable rates and lenient credit requirements, FHA loans are a popular choice among first-time home buyers, buyers with less-than-perfect credit histories, and repeat buyers on a budget.

FHA loans may not be the best choice for everyone, but we believe our FHA loan program could be well-suited to a variety of borrowers.

Apply Now Call (757) 755-0206

Program Highlights

Why Consider an FHA Loan?

Low minimum down payment (3.5%)
Competitive interest rates
Credit guidelines may be more lenient than conventional home financing
Seller-paid closing costs may be permitted
Down payment funds may be in the form of a gift
FHA Streamline and FHA cash-out refinancing

How It Works

Three Simple Steps

Tell us your goals

Fill out the quick form above or apply online — it only takes a few minutes.

We shop the market

As a wholesale broker, we compare FHA programs and rates across more than a dozen lenders.

We get you to closing

We work directly with underwriters and keep you informed every step of the way.

Compare all loan programs →

Ready to Buy with Less Down?

Connect with us today to learn more about FHA financing and see what you may qualify for. It starts with a quick, free consultation.

Apply Now Call (757) 755-0206

FHA loans require mortgage insurance and are subject to FHA guidelines and loan limits. Merit Mortgage Group LLC (NMLS #2460866) is a mortgage broker, not a lender. Loans are made by third-party lenders; all credit decisions, rates, terms, and fees are set by the lender. Program availability and eligibility requirements vary by lender and borrower qualifications. This is not a commitment to lend or extend credit. View all disclaimers · NMLS Consumer Access

Merit Mortgage Group, LLC
1 Prestwick
Williamsburg, VA 23188

Phone: (757) 755-0206

Company NMLS #2460866
www.nmlsconsumeraccess.org

Disclaimers

Licensing

Licensed in
CA, CO, FL, GA, IA, ID, KS, OK, PA, SC, TX and VA

Equal Housing Opportunity