Request a FHA home loanFHA Mortgage Loan | FHA Streamline | FHA Mortgage | FHA Loan
Request an FHA mortgage loan: FHA 30 yr fixed mortgage or 203k streamline loan refinance with FHA direct lender. FHA streamline is a refinance loan.
NOW IS THE TIME FOR AN FHA MORTGAGE
What Is An FHA Loan?

An FHA loan is insured against default by the Federal Housing Administration.  
In other words, the FHA guarantees that a lender won’t have to write off a loan
if the borrower defaults – the FHA will pay.  Because of this guarantee, lenders
are willing to make large mortgage loans.

FHA insures loans that might not ordinarily be possible for homeowners seeking
refinance and to home buyers. The benefits of an FHA loan are numerous.
Earth Works TrustMobile Home Loans In Park or Home Only on LandLand Home Loans - With or Without LandModular Home Loan With or Without LandFHA Purchase, Refinance, Streamline Refinance,      Loan Limits Vary by CountyVA Purchase, Refinance, Streamline Refinance,      Jumbo Mortgage up to 1MEarth Works Trust Philosophy
Where Great Rates, Great Programs and Customer Service Meet
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FHA Mortgages Checklist
When you're applying for an FHA loan, the following list of documents will help
expedite the process. We can help you understand any part of the FHA loan process.
Don't hesitate to contact us through our Loan Request Form with any questions.

Employment Information
Past two years W-2's, 1099's and any other necessary tax forms
One month worth of newest pay stubs
Self-employed will need three years tax returns and YTD Profit & Loss Statement
Savings Information
Past three months full bank statements for all accounts.
Any recent statements from investment accounts (retirement, 410k,
mutual funds, etc.)
Personal Information
Driver's License or other official State identification
Social Security Card
Any Divorce, Palimony, Alimony Documents
Green card or work-permit (if applicable)

We always "go the extra mile" to earn your business.
No INITIAL CREDIT CHECK and NO OBLIGATION
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FHA loan program -- FHA Loans and FHA Jumbo loans
FHA HOME LOANS - FHA Loan Information - FHA Loans
FHA loan requirements and guidelines are simple and easy to understand. Prepare for your
FHA home loan with some important steps to make sure you can afford the mortgage.
FHA loan requirements and
guidelines are simple and easy to
understand. Prepare for your
FHA home loan with some
important steps to make sure
you can afford the mortgage.
FHA INSURANCE
FHA insured loans require mortgage
insurance to protect lenders against
losses that result from defaults on
home mortgages.

FHA LOAN LIMITS
FHA lending limits vary based on a variety
of housing types and the state and county
in which the property is located.

LOAN CHECKLIST  Learn More
Before you start the loan process,
you'll want to be prepared for the loan
application. Have your information
organized and ready for your loan officer.
Be prepared to pay for a property
appraisal and a credit report.

CLOSING COSTS
While FHA defines which closing costs
are allowable as charges to the borrower,
the specific costs and amounts that are
deemed reasonable and customary are
determined by each local FHA office.

FHA DEBT RATIOS
In order to prevent homebuyers from
getting into a home they cannot afford, FHA
guidelines have been set in place requiring
borrowers and/or their spouse to qualify
according to set debt to income ratios.

FHA CREDIT ISSUES Learn More
An FHA loan applicant's past credit
performance that demonstrates good
credit history and a solid track record of
timely payments will likely be eligible
for the mortgage.
Did You Know...?

FHA Streamline Refinance
Want to refinance your FHA
mortgage?
If you presently have an FHA
mortgage, you can easily qualify
for a Streamline FHA Refinance
Mortgage. Easier guidelines--no
appraisal, low documentation for
rate and term...
   Read more

Do You Know if You
Qualify?

VA IRRRL Streamline Refinance
The Interest Rate Reduction Loan
for no or low doc refinance
Drastically reduce your monthly
payment! ...
 Read More

Manufactured and
Mobile Home Loans

Direct resource of loan products
for manufactured homes and
mobile home financing
 Read more
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Manufactured Mobile Home Mortgage Lender - FHA Refinance

Mobile Home with Land Loans
These homes are considered real
property just like a stick-built home.
Rate and Term Refinance
Cash Out Refinance Mortgage
Low Purchase Down Payment
Gift money is allowed.
If the home is manufactured tied to
land by deed or mortgage, it
must be on an approved foundation.