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FHA PURCHASE
This option is Ideal for first‑time or repeat homebuyers with lower credit scores.
Key Features
500+ Credit Score | Minimum 3.5% Down Payment | 50%+ Debt-to-Income Ratio
Why EHGM's FHA Loans Are Different​
Our FHA pre‑approvals are built to close. We fully structure your loan upfront, helping streamline final underwriting and eliminate guesswork.
Lower Fees, More FHA Buying Power
As a mortgage brokerage, we shop multiple FHA-approved lenders to find the most competitive rates and lower-cost options. That means more of your money goes toward qualifying — giving you stronger buying power without unnecessary bank‑level markups.
More Loan Options, One Application
Instead of being limited to a single bank’s FHA program and overlays, we compare several lenders’ guidelines, pricing, and flexibility. You get more ways to qualify, more tailored solutions, and a smoother path to approval—all from one simple application.
Faster Turn Times & More Flexible Processes
We work with lenders known for efficient FHA underwriting and responsive service. That allows us to move faster than traditional banks, adapt quickly when something changes, and keep your loan on track with fewer delays and less red tape.
​100% of clients work directly with a licensed advisor — never a call center.
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FHA Purchase Criteria
What you can expect
Max Loan Amount
$541,287 or $2,402,625 in high cost areas.
Down Payment
3.5% down payment with 580+ FICO.
Credit
500+ FICO with 10% down payment.
Employment
2-year work history. Exceptions allowed.
Income
No income limits. DTI ratios can exceed 50%.
Assets
Must be sourced & seasoned for 60 days. Gift funds allowed.
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