FHA Loans

FHA Gradient

It’s good to have options. FHA loans are insured by the Federal Housing Authority and are perfect for first-time home buyers or if your credit score has taken some lumps. With a variety of loan types and flexible terms, FHA loans give you flexibility to meet your needs.

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More Than a Mortgage

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Digital Convenience

Go from application to close all from your device at your own pace

 

 

headset houseExpert Guidance

Professionals at the ready to help you choose the best loan

 

 

piggybankLower Down Payment

Get started with an FHA Loan with as little as 3.5% down

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How We Roll

Flexible and Easy Home Buying

Buying your home should be painless and affordable. That’s why we’ve streamlined your experience from start to finish, making it simple and stress-free. With blazing fast technology and expert guidance along the way, it’s home buying for the digital age.

1. Getting Pre-Approved

Your home journey starts with completing a fast and digital mortgage application. This will determine how much house you can afford and let’s realtors know you’re a serious house hunter. 

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2. Search Smart

Use our free nationwide MLS database to search for your home, connect with realtors, and access your pre-approval letter all from your mobile device. 

Download Now

 

3. Lock Your Loan

Lock your loan through our digital portal or with one of our expert mortgage consultants. It's fast and easy and let's us begin processing your loan for closing. 

 

4. Close Virtually

A modern mortgage doesn't close at the attorney's office. Close when and how you want with our virtual closing, saving you valuable time and money. 

Get Started

1. Getting Pre-Approved

Your home journey starts with completing a fast and digital mortgage application. This will determine how much house you can afford and let’s realtors know you’re a serious house hunter. 

 Get Started

2. Search Smart

Use our free nationwide MLS database to search for your home, connect with realtors, and access your pre-approval letter all from your mobile device. 

Download Now

 

3. Lock Your Loan

Lock your loan through our digital portal or with one of our expert mortgage consultants. It's fast and easy and let's us begin processing your loan for closing. 

 

4. Close Virtually

A modern mortgage doesn't close at the attorney's office. Close when and how you want with our virtual closing, saving you valuable time and money. 

Get Started

FHA Home Loans

With so many home loans to choose from, sometimes it’s hard to know which one best suits your needs. For those looking to finance with a more forgiving loan, an FHA home loan might be the right fit for you.


The Benefits of FHA Home Loans

Insured by the Federal Housing Association, FHA home loans provide borrowers with the comfort of knowing their mortgage loan is protected against losses in the event they were to default on their mortgage. This means less risk on the borrower and lender since the FHA will pay a claim to the lender for the unpaid balance on the borrower’s defaulted mortgage.

Since the loan itself is less of a risk for lenders than other home loan options, borrowers also enjoy the benefits of lower interest rates, down payment requirements (as low as 3.5%), and the acceptance of lower credit scores and debt-to-income ratios, making it more affordable to buy a home.

Many first-time homebuyers and borrowers with less than stellar credit find FHA home loans to be an attractive home financing option. Plus, direct mortgage lenders make FHA loans even more attractive, with the industry’s most competitive interest rates and ability to secure a home loan right online. Contact Wyndham Capital today if you have questions to ask a loan officer or you’re interested in applying for an FHA loan.