1-877- 292-7350 jhurst@hurstlending.com

FHA Home Loans

Easier Qualification and Low Downpayment.

Are FHA Loans Right For You?

FHA loans are highly sought after by first-time home buyers due to their accessible credit qualification standards and lower down payment requirements. With just a 3.5% down payment, potential home owners can take advantage of this attractive option without having to save for years. Additionally, the down payment can even be gifted or covered by a grant, making the process even more accessible. To top it off, FHA loans also come with low closing costs, making them a cost-effective solution for those looking to enter the housing market.

  • Easier Qualification: FHA loans have lower credit score requirements, making it easier for first-time home buyers to qualify for a mortgage.
  • Lower Down Payment: The required down payment for an FHA loan is just 3.5%, making homeownership more accessible for those who may not have the savings for a larger down payment.
  • Down Payment Assistance: The down payment can come from a gift or a grant, making the process of homeownership even more accessible.
  • Low Closing Costs: FHA loans often come with low closing costs, helping to keep the cost of homeownership affordable.
  • Government-Backed Security: As a government-backed loan program, FHA loans provide added security for both the lender and the borrower, making the process of securing a mortgage more reliable.

I’ve worked with Jay Hurst on several loans.  Jay is extremely knowledgeable and helpful, and was able to advise me on the options for my recent purchase. Great guy to have on your side, and great rates!

Kevin B.

Hurst Lending was very easy to work with and stayed in constant contact with me throughout the loan process so I never had to wonder what the status of the loan was.

Naomi R.


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About FHA Loans & Other Options

About FHA Loans

The FHA Loan Program was established by the U.S. government in 1934 to help more Americans accomplish the American Dream of becoming home owners. The Federal Housing Administration (FHA) insures these loans, which makes it less risky for lenders to offer loans to individuals who may have a short credit history or have hit some bumps in the road.

Other Options

While the low-down payment and low closing costs are attractive, qualifying buyers should still consider their options. The down-side of an FHA mortgage is that the buyer must pay both an upfront mortgage insurance premium (commonly rolled into the loan) as well as a monthly mortgage insurance payment. A no PMI loan might be a better option for some buyers.


About Hurst Lending

We have been helping our customers buy, sell, and refinance their homes since 2006. Our personalized approach to the home buying process includes a suite of services that solve common hurdles in the home buying process. Have you ever experienced the frustration of Losing your dream home in a bidding war; Trying to buy before you sell; Had your buyer fallout; or Being on a fixed income and needing your equity to purchase a new home? Our Industry-leading suite of Dominate with a Cash Offer line of credit/short term loans solves these issues. We also offer a suite of real estate investor loan products and a full suite of conventional, VA, FHA, construction and traditional home loans.

Over $1 Billion in Loans Funded

And we're just getting started!

We're Expanding

Offering loans in Alabama, Colorado, Florida, Georgia, Idaho, Iowa, Louisiana, Oklahoma, Oregon, Pennsylvania, Virginia, Texas and Washington.

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