FHA Loans

FHA loans require a minimum down payment of 3.5% and have more flexible credit and income requirements.

Flexible Credit Requirements

Low Down Payments

Low Closing Costs

Fixed Rate & ARM Options

Understanding FHA Loans

An FHA Loan is a government backed mortgage insured by the Federal Housing Administration. It’s a popular choice for first time home buyers, and features attractive interest rates and less stringent qualification requirements. It can be particularly helpful for borrowers who are struggling to save for a down payment or have less than perfect credit.

One of the best features of FHA loans is that you don’t need stellar credit to qualify. If you’ve had a credit mishap (or two) in the past and would like to purchase a home, an FHA Loan may be able to bring home ownership within reach. Working with a loan officer early in the process to prequalify can help you better understand your financing options.

It's important to note, the Federal Housing Authority (FHA) sets a maximum mortgage limit for FHA loans. The maximum varies by state and county (and number of units), and will generally be greater in more densely populated urban areas. To view the FHA loan limit in your area, you can visit the HUD website.

Get Qualified for an FHA Loan in Minutes

Fill out our simple contact us form and a loan officer will be in touch. Or feel free to fill out our long form and a loan officer will evaluate and give you a call.

Speak with a Loan Officer

A licensed loan officer will take your application over the phone and accurately determine qualification in minutes.

Working with Brad Cullipher & the HomeVantage Team

Founded in 2003 by Brad Cullipher, the American Capital Mortgage Group has been helping clients around the US purchase, refinance and build their dream homes for over a decade. Brad and his team understand that that each client has their own unique goals and works to create a mortgage process that is easy, streamlined, and accessible. Above all, he wants to take the stress out of the mortgage process.

In 2017 the American Capital Mortgage Group joined HomeVantage Mortgage, a new division of Austin Capital Bank. Brad assumed the role of CEO at HomeVantage Mortgage and oversees the day in operations and growth of the organization.

  • Accurate prequalification with underwriter review
  • Same day disclosure upon receipt of contract
  • 24 hour underwriting queue
  • Files underwritten to guideline