Built for buyers whose credit has a story.
FHA loans across Maryland, Virginia, Washington DC, North Carolina and Florida, from our office in Fulton, Maryland.
The government insures the lender against loss, so the lender can say yes to a file conventional lending would turn down.
Applications go out without your personal information attached. You decide who sees it in full.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
FHA is usually right if this is you
| YOUR SITUATION | WHY THIS LOAN FITS | |
|---|---|---|
| Your credit took a knock and never fully recovered | FHA prices a damaged history far more gently than conventional lending does | Compare with conventional |
| You have the income but not the savings | FHA was designed around exactly this gap | Down payment help |
| You carry more debt than a bank will accept | FHA stretches further on existing commitments than most conventional guidelines | All purchase loans |
| Your family wants to help | FHA is the most generous major program on gift funds from family | Down payment help |
| You are starting again after a hard few years | For many people FHA is simply the first mortgage available again | Talk to us |
| The house needs work before you can live in it | A renovation version of FHA funds the purchase and the work together | FHA 203k |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What an FHA file needs
A credit history, not a perfect one
FHA exists precisely because perfect histories are rare. What matters is what has happened since.
A deposit, or someone to gift it
The entire deposit can come from a parent, sibling, employer, union or charity, with a signed letter.
Income you can evidence
Standard documentation. If your income is self-employed, a non-QM route may read it better.
Room in your budget
FHA allows more existing debt than most conventional guidelines, which is often the deciding factor.
A property that qualifies
Condominium buildings in particular need to hold approval. We check before you write an offer.
A loan inside the FHA ceiling for your county
Set county by county, and higher in the DC suburbs than in most of the country.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
FHA carries mortgage insurance
There is an upfront charge and a monthly one. On most FHA files the monthly charge does not come off by itself, which is the real cost of an easier approval.
It is not always the cheaper option
Above a certain credit strength, conventional usually costs less over five years. We price both and show you the comparison rather than defaulting you to FHA.
Condominiums are the common trap
Buildings need approval, and lenders differ on which ones they accept. Buyers find this out after an offer far too often.
Nadeem Bhatti
Where we place FHA loans
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What buyers ask about FHA loans
Can I get an FHA loan with imperfect credit?
That is what the program exists for. Some lenders apply stricter requirements than FHA itself does, which is why shopping the file beats accepting one answer as final.
Does the mortgage insurance ever go away?
On most FHA files it stays for the life of the loan. Most people who want rid of it refinance into a conventional loan once they have built enough equity.
Can my whole deposit be a gift?
Yes. FHA is the most generous major program here. We need a signed gift letter and a clear trail from their account into yours.
Can I buy a condominium?
Only if the building holds approval, or the unit qualifies on its own. We check the building before you write an offer.
How soon can I buy after a bankruptcy or foreclosure?
Sooner than most people assume, provided your credit has been rebuilt since. The waiting periods differ by event and by lender.
See whether FHA is your best route
Tell us how you get paid. We will price FHA against conventional and send you both, free.