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FHA Loan

FHA Loans

An FHA loan provides a government-insured loan with flexible loan options. Less strict credit requirements and qualifications make this loan the easiest loan for buying a home or refinancing. Save money with lower interest rates on FHA loans. We are here to help you with your planning and pre-approval process.

How it Works

  • Pay your mortgage at any time without pre-payment penalties
  • 30-, 25-, 20- and 15-year terms are all available with fixed rates
  • 5-year adjustable-rate mortgage available

Qualification Requirements

  • As low as 3.5% down payment
  • Down payment can be up to 100% gifted
  • Credit scores as low as 580 may qualify
  • Debt ratios up to 50% allowed
  • Family may co-sign to help qualify
  • Loan limits vary by county*

*To learn more about the your county’s FHA loan limits, please visit: U.S. Department of Housing and Urban Development

The RWM Fluid Mobile App streamlines the process to buy a home or refinance a home, as well as helps you get pre approved
Your Journey Begins Here.

Getting started on the purchase or refinance of your home is just
a few minutes away. No commitment needed.

Everyone on the team was really professional, helpful and dedicated to make the whole process as smooth as possible. Whenever we had a question or concern, we always received a prompt reply.

Andriry K.
Rating: 5

Extremely responsive, website was brilliant, clear list of what we needed and stayed on us until it was complete, knew who to send us to for tax transfer from our previous house. We will definitely refer our friends and family to RWM.

Kirk C.
Rating: 5

The communication on the process and the ability to sign documents electronically was a life saver. The availability and speed of answers were great.

Angelia B.
Rating: 5

You helped me understand all my options, which made me feel more confident in the decision I had to make. You were on top of everything that had to be done and kept things moving in an efficient way... It was easy to see that…

Julie M.
Rating: 5

The team was easy to work with and willing to answer all of my questions. They even worked with a notary in North Carolina so I didn't miss my vacation.

Melody T.
Rating: 5

Everything was fully explained from the beginning, and I felt like we worked as a team when we went step by step in our journey of getting financed for our first home.

Ana E.
Rating: 5

Buying a house can be overwhelming but when you have someone you trust it makes it so much easier. We felt assured that we were in good hands and that we would get to the finish line during the escrow process. Thank you for helping…

Cassandra C.
Rating: 5

Constant communication of needs and issues. Drafting of key documents in timely way. Friendly interactions and commitment to service.

Noah B.
Rating: 5

Good communication, great staff and high level of professionalism.

James G.
Rating: 5

The team was tremendously attentive to our every need and only had our goals and best interests in mind. Would work with them again anytime.

Brian S.
Rating: 5
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