Tucson, AZ · Houston, TX · NMLS# 667008
FHA loans are backed by the Federal Housing Administration. They are built for buyers who want a lower down payment and more flexible credit guidelines than many conventional loans.
Questions first? Call (520) 495-8989
Applying online is not a commitment to lend or a guarantee of approval. Terms subject to credit approval and underwriting.
Who it fits
The basics
These are general guidelines. Exact requirements depend on the program, the property, and your full financial picture.
How I help
I explain your options in simple terms. You will know what you qualify for and why.
Self-employed income. Past credit issues. Unusual properties. Files other lenders turned down. I look for how to make it work, and I tell you straight if it cannot.
With over 20 years in lending, I keep you, your agent, and title updated from application to closing.
Client reviews
Rated 4.98 out of 5 from 128 reviews on Experience.com.
“Andy and his team did a wonderful job and made the whole home buying process very pleasant . when I had met with other lenders in the past I was met with phrases like "this is why it won't work" with Andy it was more like "this is how we are going to make it work."”
“Andy and his team kept me fully informed through the loan process. When I had questions or concerns they were prompt to provide answers an additional information making the loan process much more simple. I highly recommend Andy and his team and Neighborhood Loans.”
“Andy was amazing from start to finish. very communicative and always willing to answer questions. He made this entire process smooth and stress free.”
FAQ
Often, yes. FHA guidelines are more flexible than many other loan types. Every file is different, so call me and we will look at your full picture together.
FHA allows a down payment as low as 3.5 percent for qualified borrowers. Gift funds and some down payment assistance programs may also be used.
Yes. I help FHA buyers in the Tucson metro across Arizona and in the Houston area across Texas.
Yes. FHA loans carry an upfront mortgage insurance premium and a monthly premium. I will show you how it affects your payment before you decide.
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Home · Tucson Mortgage Lender · Houston Mortgage Loan Officer · VA Loans · First-Time Home Buyer · Down Payment Assistance · Refinance
