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FHA LOANS
YOUR PATH TO HOMEOWNERSHIP MADE SIMPLE
Government-backed mortgage designed for buyers with low down payments and flexible credit requirements. Whether you're buying your first home or refinancing, we have the right solution for you.
FHA LOANS
YOUR PATH TO HOMEOWNERSHIP MADE SIMPLE
Government-backed mortgage designed for buyers with low down payments and flexible credit requirements. Whether you're buying your first home or refinancing, we have the right solution for you.
READY TO BEGIN YOUR LOAN APPLICATION?
WHY CHOOSE A FHA LOAN?
• Low Down Payment: As little as 3.5% down
• Flexible Credit Requirements: Perfect for buyers with less-than perfect credit
• Competitive Interest Rates: Save more over time
• More Buying Power: Higher debt-to-income (DTI) ratios allowed
• Refinancing Options: Lower your monthly payments or access home equity
FHA LOAN QUALIFICATIONS
• Minimum credit score 580 (or 500 with 10% down)
• Down payment as low as 3.5%
• Stable income & employment history
• Home must be your primary residence
• Property must meet FHA appraisal standards
READY TO BEGIN YOUR LOAN APPLICATION?
WHY CHOOSE A FHA LOAN?
• Low Down Payment: As little as 3.5% down
• Flexible Credit Requirements: Perfect for buyers with less-than perfect credit
• Competitive Interest Rates: Save more over time
• More Buying Power: Higher debt-to-income (DTI) ratios allowed
• Refinancing Options: Lower your monthly payments or access home equity
FHA LOAN QUALIFICATIONS
• Minimum credit score 580 (or 500 with 10% down)
• Down payment as low as 3.5%
• Stable income & employment history
• Home must be your primary residence
• Property must meet FHA appraisal standards
STEP-BY-STEP FHA LOAN PROCESS
STEP-BY-STEP FHA LOAN PROCESS
1. Apply in Minutes
Simple online application
2. Get Pre-Approved
Know your budget before house building
3. Choose Your Loan
We'll guide you the best FHA loan for you
4. Close & Move In
Hassle-free home financing from start to finish
1. Apply in Minutes
Simple online application
2. Get Pre-Approved
Know your budget before house building
3. Choose Your Loan
We'll guide you the best FHA loan for you
4. Close & Move In
Hassle-free home financing from start to finish
ADVANTAGES OF AN FHA LOAN
ADVANTAGES OF AN FHA LOAN
Low Down Payment – Buy a home with as little as 3.5% down.
Flexible Credit Requirements – Qualify with low credit scores (as low as 500).
Credit Challenges? No Problem – Past credit issues won’t disqualify you if they’ve been resolved.
Finance Home Renovations – Get extra funds for repairs with the FHA 203(k) loan.
Gift Funds Allowed – Use gift money from family for your down payment.
Seller Assistance – Sellers can cover closing costs, reducing upfront expenses.
No Income Limits – FHA loans are available to all income levels.
Higher Debt-to-Income Ratio Allowed – Qualify even with higher debt levels.
Faster Recovery from Bankruptcy/Foreclosure – Shorter waiting periods compared to conventional loans.
Assumable Loans – FHA loans can be transferred to a new buyer, which can be a huge advantage if interest rates rise.
Low Down Payment – Buy a home with as little as 3.5% down.
Flexible Credit Requirements – Qualify with low credit scores (as low as 500).
Credit Challenges? No Problem – Past credit issues won’t disqualify you if they’ve been resolved.
Finance Home Renovations – Get extra funds for repairs with the FHA 203(k) loan.
Gift Funds Allowed – Use gift money from family for your down payment.
Seller Assistance – Sellers can cover closing costs, reducing upfront expenses.
No Income Limits – FHA loans are available to all income levels.
Higher Debt-to-Income Ratio Allowed – Qualify even with higher debt levels.
Faster Recovery from Bankruptcy/Foreclosure – Shorter waiting periods compared to conventional loans.
Assumable Loans – FHA loans can be transferred to a new buyer, which can be a huge advantage if interest rates rise.
FHA LOAN VS. CONVENTIONAL LOAN- WHICH IS RIGHT FOR YOU?
FHA LOAN VS. CONVENTIONAL LOAN- WHICH IS RIGHT FOR YOU?
FEATURE
FHA LOAN
CONVENTIONAL LOAN
DOWN PAYMENT
3.5%
5%-20%
CREDIT SCORE
580+
620+
MORTGAGE INSURANCE
REQUIRED
NOT REQUIRED IF 20% DOWN+
DEBT-TO-INCOME RATIO
HIGHER ALLOWED
LOWER PREFERED
FEATURE
FHA LOAN
CONVENTIONAL LOAN
DOWN PAYMENT
3.5%
5%-20%
CREDIT SCORE
580+
620+
MORTGAGE INSURANCE
REQUIRED
NOT REQUIRED IF 20% DOWN+
DEBT-TO-INCOME RATIO
HIGHER ALLOWED
LOWER PREFERED
WHY CHOOSE US FOR YOUR FHA LOAN?
WHY CHOOSE US FOR YOUR FHA LOAN?
At Trust Lending, we believe buying or refinancing a home is a matter of trust—and we’re here to earn yours. With Over 20 years of experience, we’ve helped countless homebuyers and homeowners secure affordable, flexible mortgage solutions tailored to their needs.
• Personalized Loan Solutions – We customize every loan to match your financial goals.
• Expert Guidance – Our experienced team walks you through every step of the process.
• Fast & Smooth Approvals – We streamline the process to get you approved quickly.
• Technology-Driven Service – We invest in the latest tools to make your experience hassle-free.
• Strict Compliance & Integrity – We follow all industry best practices, ensuring transparency and trust.
At Trust Lending, we believe buying or refinancing a home is a matter of trust—and we’re here to earn yours. With Over 20 years of experience, we’ve helped countless homebuyers and homeowners secure affordable, flexible mortgage solutions tailored to their needs.
• Personalized Loan Solutions – We customize every loan to match your financial goals.
• Expert Guidance – Our experienced team walks you through every step of the process.
• Fast & Smooth Approvals – We streamline the process to get you approved quickly.
• Technology-Driven Service – We invest in the latest tools to make your experience hassle-free.
• Strict Compliance & Integrity – We follow all industry best practices, ensuring transparency and trust.
TESTIMONIALS
TESTIMONIALS
LEARN MORE ABOUT FHA LOANS
LEARN MORE ABOUT FHA LOANS
What Is an FHA Loan?
An FHA loan is a government-backed mortgage insured by the Federal Housing Administration (FHA). While private lenders—such as banks, credit unions, and mortgage companies—issue these loans, the FHA provides insurance to protect lenders. This means that if a borrower is unable to repay their loan, the FHA covers the lender’s losses, making it easier for borrowers to qualify.
A Brief History of FHA Loans.
The FHA loan program was created in 1934 during the Great Depression to make homeownership more accessible. Before the FHA, only 4 out of 10 households owned homes, and mortgage requirements were far stricter. For example:
Borrowers could only finance up to 50% of a home’s purchase price (compared to 96.5% today).
Loans had short terms of 3-5 years, requiring full repayment at the end.
Since its inception, the FHA has insured over 47.5 million loans, helping to increase U.S. homeownership rates to nearly 7 out of 10 households today.
Types of FHA Loans.
FHA loans offer flexibility with both fixed and adjustable-rate options:
Fixed-Rate FHA Loans.
• Your interest rate stays the same for the life of the loan
• Ideal if you plan to stay in your home for 5-10+ years
• Consistent monthly payments make budgeting easier
Adjustable-Rate FHA Loans (ARM).
• Lower initial interest rates compared to fixed-rate loans
• Can reduce monthly payments significantly at the start
• Rate caps provide protection against extreme increases
• Best for borrowers who plan to move or refinance in a few years
What Is an FHA Loan?
An FHA loan is a government-backed mortgage insured by the Federal Housing Administration (FHA). While private lenders—such as banks, credit unions, and mortgage companies—issue these loans, the FHA provides insurance to protect lenders. This means that if a borrower is unable to repay their loan, the FHA covers the lender’s losses, making it easier for borrowers to qualify.
A Brief History of FHA Loans.
The FHA loan program was created in 1934 during the Great Depression to make homeownership more accessible. Before the FHA, only 4 out of 10 households owned homes, and mortgage requirements were far stricter. For example:
Borrowers could only finance up to 50% of a home’s purchase price (compared to 96.5% today).
Loans had short terms of 3-5 years, requiring full repayment at the end.
Since its inception, the FHA has insured over 47.5 million loans, helping to increase U.S. homeownership rates to nearly 7 out of 10 households today.
Types of FHA Loans.
FHA loans offer flexibility with both fixed and adjustable-rate options:
Fixed-Rate FHA Loans.
• Your interest rate stays the same for the l
ife of the loan
• Ideal if you plan to stay in your home for 5-10+ years
• Consistent monthly payments make budgeting easier
Adjustable-Rate FHA Loans (ARM).
• Lower initial interest rates compared to fixed-rate loans
• Can reduce monthly payments significantly at the start
• Rate caps provide protection against extreme increases
• Best for borrowers who plan to move or refinance in a few years
Trust Lending General Information
Corporate Office
Trust Mortgage Lending Corporation
8600 NW 36th St Suite 101 Doral, FL, 33166
+1 888 884 1160
NMLS #204041
Colorado Office
Trust Mortgage Lending Corporation
8400 E Prentice Ave
Suite 1500
Greenwood Village, CO 80111
+1 888 884 1160
Tampa Office
Trust Mortgage Lending Corporation
8593 W. Linebaugh Ave
Tampa, FL 33625
+1 888 884 1160
Lic #2253533
Oregon Office
Trust Mortgage Lending Corporation
8130 SW Beaverton-Hillsdale Hwy
Portland, OR 97225
+1 888 884 1160
Lic #204041
California Office
LG Mortgage Lending Solutions
9350 Willshire Blvd
Suite 203
Beverly Hills, CA 90212
+1 888 884 1160
Lic #41DBO-108370
Helpful Links
Texas Office
Trust Mortgage Lending Corporation
700 Louisiana St
Suite 3950
Houston, TX 77002
+1 888 884 1160
NMLS #1513406
Services
©2025 Trust Mortgage Lending NMLSR ID 204041
Disclaimer: Trust Lending is not a chartered bank or trust company, or depository institution.
It is not authorized to accept deposits or trust accounts.
Trust Lending General Information
Corporate Office
Trust Mortgage Lending Corporation
8600 NW 36th St Suite 101 Doral, FL, 33166
+1 888 884 1160
NMLS #204041
Tampa Office
Trust Mortgage Lending Corporation
8593 W. Linebaugh Ave
Tampa, FL 33625
+1 888 884 1160
Lic #2253533
Texas Office
Trust Mortgage Lending Corporation
700 Louisiana St
Suite 3950
Houston, TX 77002
+1 888 884 1160
NMLS #1513406
California Office
LG Mortgage Lending Solutions
9350 Willshire Blvd
Suite 203
Beverly Hills, CA 90212
+1 888 884 1160
Lic #41DBO-108370
Colorado Office
Trust Mortgage Lending Corporation
8400 E Prentice Ave
Suite 1500
Greenwood Village, CO 80111
+1 888 884 1160
Oregon Office
Trust Mortgage Lending Corporation
8130 SW Beaverton-Hillsdale Hwy
Portland, OR 97225
+1 888 884 1160
Lic #204041
Services
Conventional Loans
FHA Loans
Reverse Mortgages
VA Loans
Jumbo Loans
Foreign National Loans
Helpful Links
Accessibility Statement
Company Overview
Terms and Conditions
Privacy Policy
NMLS Consumer Access
©2025 Trust Mortgage Lending NMLSR ID 204041
Disclaimer: Trust Lending is not a chartered bank or trust company, or depository institution.
It is not authorized to accept deposits or trust accounts.