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Texas FHA Loans are one of the easiest mortgage loans to qualify for!  The FHA program now allows credit scores at 580 and below! FHA requires a low down payment at 3.5% down. If you’re in the market for a home, you owe it to yourself to research Texas FHA loan options available through FHA Mortgage Guru!

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We're here to answer all of your questions about FHA loans!

Frequently Asked Questions

That is ok! Many times the sellers can pay all of your closing costs. This way you will only be responsible for the 3.5% down payment.

Don’t forget you can receive the 3.5% as a gift from a family member or you can receive the 3.5% down payment from your 401k.

Please move forward with the application and let one of our service providers give you guidance on what needs to be done to improve your scores. In some cases you could possibly be pre-qualified with scores below 580 if you put more than 3.5% down. Our service providers take the time with every single applicant to make sure a long term plan is put in place so you can own a home.

That isn’t true. You may be approved 2 years after the discharge date of a Chapter 7 or Chapter 11 bankruptcy. For a Chapter 13 bankruptcy, you may still be approved while you are in repayment.

You will need to wait 3 years from the foreclosure date before you can qualify for a FHA mortgage.

This program is available in every area of Texas! And the good news is we have a team of people available to help, no matter the area!