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California FHA Loans

Are you a 1st time home buyer? FHA loans are a great option for first time home buyers and might be just what you need. Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be covered through seller allowed concessions. Call us today or complete the quick contact form on the right side of this page to visit with a California FHA loan consultant to help educate you and walk you through the loan process. If you are ready to begin the process simply click the apply now to complete the mortgage application.

It is easier to qualify for an FHA loan in many cases. This is because the lender has less risk of a loss in case of default. A customer with credit problems, such as bankruptcy, may qualify for a FHA mortgage. Because of these benefits a FHA loan can be the best choice for first time buyers.

More About California Fha Loans

FHA is an abbreviation for the Federal Housing Administration. Congress created the FHA in 1934 to make it easier for home buyers to get home loans. They do this by insuring mortgages for single family and multifamily homes. FHA mortgage insurance provides lenders with protection against a loss if a FHA homeowner defaults on a loan. Loans must meet requirements established by the FHA to qualify for this insurance. FHA and HUD have insured over 34 million homes since 1934. They are the largest insurer of mortgages in the world. Golden State Mortgage is a FHA mortgage lender located in rolling hills, California.

FHA Loan Advantages

  • Low down payment
  • Easier credit qualifying
  • Down payment assistance allowed
  • Higher debt to income allowed
  • Simple qualifying
  • Streamline refinance available
  • Only 3.5% down payment
  • Apply now

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Apply for Your FHA Loan Today!

Our Mortgage Loan Process

California FHA Loans

  • Direct Mortgage Lender- Low Rates & Fees
  • Streamline Process, Fast Closings & Funding
  • Same Day Pre-Qualifications
  • 28 Day Closings!

Have Questions? Speak with a FHA Loan Specialist!
CALL TODAY (323) 419-3335