FHA Loans

Closing Loans On Time, Under Budget With No Surprises®

FHA Loans

FHA Loans Rates are at or Near Record Lows – It’s A Great Time To Save!

An FHA Loan can be the easiest way to qualify for purchasing or refinancing your home. FHA loans give you a government-insured loan with flexible choices and some of the lowest mortgage rates available!

Are you overwhelmed & confused with all the information out there like:

  • Do I need perfect credit?
  • Do I need 20% for a down payment?
  • What the heck is Upfront MIP?


Wouldn’t it be nice to sit across the table from someone that would calmly explain to you how to obtain an FHA Loan, the right way?

At Zenith, we are FHA mortgage Loan Experts and we will help you navigate the loan process from start to finish. We won’t put you through what my wife and I went through.

I promise you the process is not as complicated as it seems, and we’ll prove it to you when we walk you through it step by step. 1st we are going to listen to you, and understand your needs. Then we’ll explain everything so that you’ll know what happens and when, how much money you’ll need and when you need it. We’ll show you how to save the most money and when we are through, you’ll say what all our clients say.  “Thank you, no one has ever explained that to me before”.

By the way, you don’t need 20% down & you don’t need perfect credit, and Upfront MIP is simply part of the FHA mortgage insurance that is factored into your loan. I promise it will make sense when we meet.

We Guarantee an On Time Under Budget No Surprise Closing. Don’t risk losing your hard earned money with a pre-qualification or pre-approval.  With our Exclusive Zenith Certified Pre-Approval, we GUARANTEE you can shop with confidence knowing you will close on the loan. Our experience shows that the clients saving the most money and the most time are those with the best plan. Talk to us first, and we’ll build your plan together. I can’t wait to show you how, and we can’t wait to meet you.

Fill out the short form, we’ll be in touch soon. Thank you.

Why use a FHA Loan for your next home?

  • FHA loans have less stringent credit requirements
  • The down payment on an FHA loan is as low as 3.5% and can be a gift from a family member.
  • Since these loans are government insured, the interest rates and terms are highly competitive
  • Refinancing is possible with minimal equity.
  • Cash out refinances are possible at up to 85% our your property’s value
  • FHA Streamline refinancing offers less paperwork and lower costs.
  • FHA loans are available in secure 30, 25, 20 or 15 year fixed rate where the payments will never change
  • FHA Loans are also available in 3 and 5 year ARM (Adjustable Rate Mortgage)
  • You can secure FHA loans only 2 years after a bankruptcy discharge, and 3 years after a foreclosure.
  • These loans never have a pre-payment penalty
  • The seller can pay all your closing costs and pre-paid escrow deposits, up to 6% of the purchase price.

FHA loans also allow for a non-occupying co-borrowers, or co-signers, which can help you to qualify.

To start the process you can do any of the following:

Fill out the form below, or simply call us at (720) 943-4278

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