Bill Philips

Texas FHA Home Loan, Texas FHA Lender,

The FHA Home Loans, Texas FHA Mortgage, Texas FHA Lender,

The FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than other types of real estate mortgage home loan programs. Here are just some Examples of how FHA can help you buy a home,

Minimal Down Payment and Closing Costs.

•· Down payment less than 3% of Sales Price

•· 100% Financing options available

•· No reserves or required.

•· FHA regulated closing costs.

•· Seller can credit up to 6% of sales price towards buyers costs.

•· Easier Credit Qualifying Guidelines such as:

•· No minimum FICO score or credit score requirements.

•· FHA will allow a home purchase 2 years after a Bankruptcy.

•· FHA will allow a home purchase 3 years after a Foreclosure.

•· Easier Debt Ratio & Job Requirement Guidelines such as:

•· Higher Debt Ratio's than other home loan programs.

•· Less than two years on the job is allowed.

•· Self-Employed individuals o.k.

Call 1-800-570-0448 or apply online using our quick application right now to get experienced professional and friendly Texas mortgage service from 1st Continental Mortgage.

2009 Texas FHA Limits MSA Name County Name One-Family Two-Family Three-Family PALESTINE, TX (MICRO) ANDERSON $271,050 $347,000 $419,425 ANDREWS, TX (MICRO) ANDREWS $271,050 $347,000 $419,425 LUFKIN, TX (MICRO) ANGELINA $271,050 $347,000 $419,425 CORPUS CHRISTI, TX (MSA) ARANSAS $271,050 $347,000 $419,425 WICHITA FALLS, TX (MSA) ARCHER $271,050 $347,000 $419,425 AMARILLO, TX (MSA) ARMSTRONG $271,050 $347,000 $419,425 SAN ANTONIO, TX (MSA) ATASCOSA $287,500 $368,050 $444,900 HOUSTON - SUGAR LAND - BAYTOWN, TX (MSA) AUSTIN $271,050 $347,000 $419,425 NON-METRO BAILEY $271,050 $347,000 $419,425 SAN ANTONIO, TX (MSA) BANDERA $287,500 $368,050 $444,900 AUSTIN - ROUND ROCK, TX (MSA) BASTROP $271,050 $347,000 $419,425 NON-METRO BAYLOR $271,050 $347,000 $419,425 BEEVILLE, TX (MICRO) BEE $271,050 $347,000 $419,425 KILLEEN - TEMPLE - FORT HOOD, TX (MSA) BELL $271,050 $347,000 $419,425 SAN ANTONIO, TX (MSA) BEXAR $287,500 $368,050 $444,900 NON-METRO BLANCO $271,050 $347,000 $419,425 NON-METRO BORDEN $271,050 $347,000 $419,425 NON-METRO BOSQUE $271,050 $347,000 $419,425 TEXARKANA, TX - TEXARKANA, AR (MSA) BOWIE $271,050 $347,000 $419,425 HOUSTON - SUGAR LAND - BAYTOWN, TX (MSA) BRAZORIA $271,050 $347,000 $419,425 COLLEGE STATION - BRYAN, TX (MSA) BRAZOS $271,050 $347,000 $419,425 NON-METRO BREWSTER $271,050 $347,000 $419,425 NON-METRO BRISCOE $271,050 $347,000 $419,425 NON-METRO BROOKS $271,050 $347,000 $419,425 BROWNWOOD, TX (MICRO) BROWN $271,050 $347,000 $419,425 COLLEGE STATION - BRYAN, TX (MSA) BURLESON $271,050 $347,000 $419,425 NON-METRO BURNET $271,050 $347,000 $419,425 AUSTIN - ROUND ROCK, TX (MSA) CALDWELL $271,050 $347,000 $419,425 VICTORIA, TX (MSA) CALHOUN $271,050 $347,000 $419,425 ABILENE, TX (MSA) CALLAHAN $271,050 $347,000 $419,425 BROWNSVILLE - HARLINGEN, TX (MSA) CAMERON $271,050 $347,000 $419,425 NON-METRO CAMP $271,050 $347,000 $419,425 AMARILLO, TX (MSA) CARSON $271,050 $347,000 $419,425 NON-METRO CASS $271,050 $347,000 $419,425 NON-METRO CASTRO $271,050 $347,000 $419,425 HOUSTON - SUGAR LAND - BAYTOWN, TX (MSA) CHAMBERS $271,050 $347,000 $419,425 JACKSONVILLE, TX (MICRO) CHEROKEE $271,050 $347,000 $419,425 NON-METRO CHILDRESS $271,050 $347,000 $419,425 WICHITA FALLS, TX (MSA) CLAY $271,050 $347,000 $419,425 NON-METRO COCHRAN $271,050 $347,000 $419,425 NON-METRO COKE $271,050 $347,000 $419,425 NON-METRO COLEMAN $271,050 $347,000 $419,425 DALLAS - PLANO - IRVING, TX METROPOLITAN DIVISION COLLIN $271,050 $347,000 $419,425 NON-METRO COLLINGSWORTH $271,050 $347,000 $419,425 NON-METRO COLORADO $271,050 $347,000 $419,425 SAN ANTONIO, TX (MSA) COMAL $287,500 $368,050 $444,900 NON-METRO COMANCHE $271,050 $347,000 $419,425 NON-METRO CONCHO $271,050 $347,000 $419,425 GAINESVILLE, TX (MICRO) COOKE $271,050 $347,000 $419,425 KILLEEN - TEMPLE - FORT HOOD, TX (MSA) CORYELL $271,050 $347,000 $419,425 NON-METRO COTTLE $271,050 $347,000 $419,425 NON-METRO CRANE $271,050 $347,000 $419,425 NON-METRO CROCKETT $271,050 $347,000 $419,425 LUBBOCK, TX (MSA) CROSBY $271,050 $347,000 $419,425 NON-METRO CULBERSON $271,050 $347,000 $419,425 NON-METRO DALLAM $271,050 $347,000 $419,425 DALLAS - PLANO - IRVING, TX METROPOLITAN DIVISION DALLAS $271,050 $347,000 $419,425 LAMESA, TX (MICRO) DAWSON $271,050 $347,000 $419,425 NON-METRO DE WITT $271,050 $347,000 $419,425 HEREFORD, TX (MICRO) DEAF SMITH $271,050 $347,000 $419,425 DALLAS - PLANO - IRVING, TX METROPOLITAN DIVISION DELTA $271,050 $347,000 $419,425 DALLAS - PLANO - IRVING, TX METROPOLITAN DIVISION DENTON $271,050 $347,000 $419,425 NON-METRO DICKENS $271,050 $347,000 $419,425 NON-METRO DIMMIT $271,050 $347,000 $419,425 NON-METRO DONLEY $271,050 $347,000 $419,425 NON-METRO DUVAL $271,050 $347,000 $419,425 NON-METRO EASTLAND $271,050 $347,000 $419,425 ODESSA, TX (MSA) ECTOR $271,050 $347,000 $419,425 NON-METRO EDWARDS $271,050 $347,000 $419,425 EL PASO, TX (MSA) EL PASO $271,050 $347,000 $419,425 DALLAS - PLANO - IRVING, TX METROPOLITAN DIVISION ELLIS $271,050 $347,000 $419,425 STEPHENVILLE, TX (MICRO) ERATH $271,050 $347,000 $419,425 NON-METRO FALLS $271,050 $347,000 $419,425 BONHAM, TX(MICRO) FANNIN $271,050 $347,000 $419,425 NON-METRO FAYETTE $271,050 $347,000 $419,425 NON-METRO FISHER $271,050 $347,000 $419,425 NON-METRO FLOYD $271,050 $347,000 $419,425 NON-METRO FOARD $271,050 $347,000 $419,425 HOUSTON - SUGAR LAND - BAYTOWN, TX (MSA) FORT BEND $271,050 $347,000 $419,425 NON-METRO FRANKLIN $271,050 $347,000 $419,425 NON-METRO FREESTONE $271,050 $347,000 $419,425 NON-METRO FRIO $271,050 $347,000 $419,425 NON-METRO GAINES $271,050 $347,000 $419,425 HOUSTON - SUGAR LAND - BAYTOWN, TX (MSA) GALVESTON $271,050 $347,000 $419,425 NON-METRO GARZA $271,050 $347,000 $419,425 NON-METRO GILLESPIE $271,050 $347,000 $419,425 NON-METRO GLASSCOCK $271,050 $347,000 $419,425 VICTORIA, TX (MSA) GOLIAD $271,050 $347,000 $419,425 NON-METRO GONZALES $271,050 $347,000 $419,425 PAMPA, TX (MICRO) GRAY $271,050 $347,000 $419,425 SHERMAN - DENISON, TX (MSA) GRAYSON $271,050 $347,000 $419,425 LONGVIEW, TX (MSA) GREGG $271,050 $347,000 $419,425 NON-METRO GRIMES $271,050 $347,000 $419,425 SAN ANTONIO, TX (MSA) GUADALUPE $287,500 $368,050 $444,900 PLAINVIEW, TX (MICRO) HALE $271,050 $347,000 $419,425 NON-METRO HALL $271,050 $347,000 $419,425 NON-METRO HAMILTON $271,050 $347,000 $419,425 NON-METRO HANSFORD $271,050 $347,000 $419,425 NON-METRO HARDEMAN $271,050 $347,000 $419,425 BEAUMONT - PORT ARTHUR, TX (MSA) HARDIN $271,050 $347,000 $419,425 HOUSTON - SUGAR LAND - BAYTOWN, TX (MSA) HARRIS $271,050 $347,000 $419,425 MARSHALL, TX (MICRO) HARRISON $271,050 $347,000 $419,425 NON-METRO HARTLEY $271,050 $347,000 $419,425 NON-METRO HASKELL $271,050 $347,000 $419,425 AUSTIN - ROUND ROCK, TX (MSA) HAYS $271,050 $347,000 $419,425 NON-METRO HEMPHILL $271,050 $347,000 $419,425 ATHENS, TX (MICRO) HENDERSON $271,050 $347,000 $419,425 MCALLEN - EDINBURG - MISSION, TX (MSA) HIDALGO $271,050 $347,000 $419,425 NON-METRO HILL $271,050 $347,000 $419,425 LEVELLAND, TX (MICRO) HOCKLEY $271,050 $347,000 $419,425 GRANBURY, TX (MICRO) HOOD $271,050 $347,000 $419,425 SULPHUR SPRINGS, TX (MICRO) HOPKINS $271,050 $347,000 $419,425 NON-METRO HOUSTON $271,050 $347,000 $419,425 BIG SPRING, TX (MICRO) HOWARD $271,050 $347,000 $419,425 NON-METRO HUDSPETH $271,050 $347,000 $419,425 DALLAS - PLANO - IRVING, TX METROPOLITAN DIVISION HUNT $271,050 $347,000 $419,425 BORGER, TX (MICRO) HUTCHINSON $271,050 $347,000 $419,425 SAN ANGELO, TX (MSA) IRION $271,050 $347,000 $419,425 NON-METRO JACK $271,050 $347,000 $419,425 NON-METRO JACKSON $271,050 $347,000 $419,425 NON-METRO JASPER $271,050 $347,000 $419,425 NON-METRO JEFF DAVIS $271,050 $347,000 $419,425 BEAUMONT - PORT ARTHUR, TX (MSA) JEFFERSON $271,050 $347,000 $419,425 NON-METRO JIM HOGG $271,050 $347,000 $419,425 ALICE, TX (MICRO) JIM WELLS $271,050 $347,000 $419,425 FORT WORTH - ARLINGTON, TX METROPOLITAN DIVISION JOHNSON $271,050 $347,000 $419,425 ABILENE, TX (MSA) JONES $271,050 $347,000 $419,425 NON-METRO KARNES $271,050 $347,000 $419,425 DALLAS - PLANO - IRVING, TX METROPOLITAN DIVISION KAUFMAN $271,050 $347,000 $419,425 SAN ANTONIO, TX (MSA) KENDALL $287,500 $368,050 $444,900 KINGSVILLE, TX (MICRO) KENEDY $271,050 $347,000 $419,425 NON-METRO KENT $271,050 $347,000 $419,425 KERRVILLE, TX (MICRO) KERR $271,050 $347,000 $419,425 NON-METRO KIMBLE $271,050 $347,000 $419,425 NON-METRO KING $271,050 $347,000 $419,425 NON-METRO KINNEY $271,050 $347,000 $419,425 KINGSVILLE, TX (MICRO) KLEBERG $271,050 $347,000 $419,425 NON-METRO KNOX $271,050 $347,000 $419,425 NON-METRO LA SALLE $271,050 $347,000 $419,425 PARIS, TX (MICRO) LAMAR $271,050 $347,000 $419,425 NON-METRO LAMB $271,050 $347,000 $419,425 KILLEEN - TEMPLE - FORT HOOD, TX (MSA) LAMPASAS $271,050 $347,000 $419,425 NON-METRO LAVACA $271,050 $347,000 $419,425 NON-METRO LEE $271,050 $347,000 $419,425 NON-METRO LEON $271,050 $347,000 $419,425 HOUSTON - SUGAR LAND - BAYTOWN, TX (MSA) LIBERTY $271,050 $347,000 $419,425 NON-METRO LIMESTONE $271,050 $347,000 $419,425 NON-METRO LIPSCOMB $271,050 $347,000 $419,425 NON-METRO LIVE OAK $271,050 $347,000 $419,425 NON-METRO LLANO $271,050 $347,000 $419,425 NON-METRO LOVING $271,050 $347,000 $419,425 LUBBOCK, TX (MSA) LUBBOCK $271,050 $347,000 $419,425 NON-METRO LYNN $271,050 $347,000 $419,425 NON-METRO MADISON $271,050 $347,000 $419,425 NON-METRO MARION $271,050 $347,000 $419,425 NON-METRO MARTIN $271,050 $347,000 $419,425 NON-METRO MASON $271,050 $347,000 $419,425 BAY CITY, TX (MICRO) MATAGORDA $271,050 $347,000 $419,425 EAGLE PASS, TX (MICRO) MAVERICK $271,050 $347,000 $419,425 NON-METRO MCCULLOCH $271,050 $347,000 $419,425 WACO, TX (MSA) MCLENNAN $271,050 $347,000 $419,425 NON-METRO MCMULLEN $271,050 $347,000 $419,425 SAN ANTONIO, TX (MSA) MEDINA $287,500 $368,050 $444,900 NON-METRO MENARD $271,050 $347,000 $419,425 MIDLAND, TX (MSA) MIDLAND $271,050 $347,000 $419,425 NON-METRO MILAM $271,050 $347,000 $419,425 NON-METRO MILLS $271,050 $347,000 $419,425 NON-METRO MITCHELL $271,050 $347,000 $419,425 NON-METRO MONTAGUE $271,050 $347,000 $419,425 HOUSTON - SUGAR LAND - BAYTOWN, TX (MSA) MONTGOMERY $271,050 $347,000 $419,425 DUMAS, TX (MICRO) MOORE $271,050 $347,000 $419,425 NON-METRO MORRIS $271,050 $347,000 $419,425 NON-METRO MOTLEY $271,050 $347,000 $419,425 NACOGDOCHES, TX (MICRO) NACOGDOCHES $271,050 $347,000 $419,425 CORSICANA, TX (MICRO) NAVARRO $271,050 $347,000 $419,425 NON-METRO NEWTON $271,050 $347,000 $419,425 SWEETWATER, TX (MICRO) NOLAN $271,050 $347,000 $419,425 CORPUS CHRISTI, TX (MSA) NUECES $271,050 $347,000 $419,425 NON-METRO OCHILTREE $271,050 $347,000 $419,425 NON-METRO OLDHAM $271,050 $347,000 $419,425 BEAUMONT - PORT ARTHUR, TX (MSA) ORANGE $271,050 $347,000 $419,425 MINERAL WELLS, TX (MICRO) PALO PINTO $271,050 $347,000 $419,425 NON-METRO PANOLA $271,050 $347,000 $419,425 FORT WORTH - ARLINGTON, TX METROPOLITAN DIVISION PARKER $271,050 $347,000 $419,425 NON-METRO PARMER $271,050 $347,000 $419,425 NON-METRO PECOS $271,050 $347,000 $419,425 NON-METRO POLK $271,050 $347,000 $419,425 AMARILLO, TX (MSA) POTTER $271,050 $347,000 $419,425 NON-METRO PRESIDIO $271,050 $347,000 $419,425 NON-METRO RAINS $271,050 $347,000 $419,425 AMARILLO, TX (MSA) RANDALL $271,050 $347,000 $419,425 NON-METRO REAGAN $271,050 $347,000 $419,425 NON-METRO REAL $271,050 $347,000 $419,425 NON-METRO RED RIVER $271,050 $347,000 $419,425 PECOS, TX (MICRO) REEVES $271,050 $347,000 $419,425 NON-METRO REFUGIO $271,050 $347,000 $419,425 PAMPA, TX (MICRO) ROBERTS $271,050 $347,000 $419,425 COLLEGE STATION - BRYAN, TX (MSA) ROBERTSON $271,050 $347,000 $419,425 DALLAS - PLANO - IRVING, TX METROPOLITAN DIVISION ROCKWALL $271,050 $347,000 $419,425 NON-METRO RUNNELS $271,050 $347,000 $419,425 LONGVIEW, TX (MSA) RUSK $271,050 $347,000 $419,425 NON-METRO SABINE $271,050 $347,000 $419,425 NON-METRO SAN AUGUSTINE $271,050 $347,000 $419,425 HOUSTON - SUGAR LAND - BAYTOWN, TX (MSA) SAN JACINTO $271,050 $347,000 $419,425 CORPUS CHRISTI, TX (MSA) SAN PATRICIO $271,050 $347,000 $419,425 NON-METRO SAN SABA $271,050 $347,000 $419,425 NON-METRO SCHLEICHER $271,050 $347,000 $419,425 SNYDER, TX (MICRO) SCURRY $271,050 $347,000 $419,425 NON-METRO SHACKELFORD $271,050 $347,000 $419,425 NON-METRO SHELBY $271,050 $347,000 $419,425 NON-METRO SHERMAN $271,050 $347,000 $419,425 TYLER, TX (MSA) SMITH $271,050 $347,000 $419,425 GRANBURY, TX (MICRO) SOMERVELL $271,050 $347,000 $419,425 RIO GRANDE CITY - ROMA, TX (MICRO) STARR $271,050 $347,000 $419,425 NON-METRO STEPHENS $271,050 $347,000 $419,425 NON-METRO STERLING $271,050 $347,000 $419,425 NON-METRO STONEWALL $271,050 $347,000 $419,425 NON-METRO SUTTON $271,050 $347,000 $419,425 NON-METRO SWISHER $271,050 $347,000 $419,425 FORT WORTH - ARLINGTON, TX METROPOLITAN DIVISION TARRANT $271,050 $347,000 $419,425 ABILENE, TX (MSA) TAYLOR $271,050 $347,000 $419,425 NON-METRO TERRELL $271,050 $347,000 $419,425 NON-METRO TERRY $271,050 $347,000 $419,425 NON-METRO THROCKMORTON $271,050 $347,000 $419,425 MOUNT PLEASANT, TX (MICRO) TITUS $271,050 $347,000 $419,425 SAN ANGELO, TX (MSA) TOM GREEN $271,050 $347,000 $419,425 AUSTIN - ROUND ROCK, TX (MSA) TRAVIS $271,050 $347,000 $419,425 NON-METRO TRINITY $271,050 $347,000 $419,425 NON-METRO TYLER $271,050 $347,000 $419,425 LONGVIEW, TX (MSA) UPSHUR $271,050 $347,000 $419,425 NON-METRO UPTON $271,050 $347,000 $419,425 UVALDE, TX (MICRO) UVALDE $271,050 $347,000 $419,425 DEL RIO, TX (MICRO) VAL VERDE $271,050 $347,000 $419,425 NON-METRO VAN ZANDT $271,050 $347,000 $419,425 VICTORIA, TX (MSA) VICTORIA $271,050 $347,000 $419,425 HUNTSVILLE, TX (MICRO) WALKER $271,050 $347,000 $419,425 HOUSTON - SUGAR LAND - BAYTOWN, TX (MSA) WALLER $271,050 $347,000 $419,425 NON-METRO WARD $271,050 $347,000 $419,425 BRENHAM, TX (MICRO) WASHINGTON $271,050 $347,000 $419,425 LAREDO, TX (MSA) WEBB $271,050 $347,000 $419,425 EL CAMPO, TX (MICRO) WHARTON $271,050 $347,000 $419,425 NON-METRO WHEELER $271,050 $347,000 $419,425 WICHITA FALLS, TX (MSA) WICHITA $271,050 $347,000 $419,425 VERNON, TX (MICRO) WILBARGER $271,050 $347,000 $419,425 RAYMONDVILLE, TX (MICRO) WILLACY $271,050 $347,000 $419,425 AUSTIN - ROUND ROCK, TX (MSA) WILLIAMSON $271,050 $347,000 $419,425 SAN ANTONIO, TX (MSA) WILSON $287,500 $368,050 $444,900 NON-METRO WINKLER $271,050 $347,000 $419,425 FORT WORTH - ARLINGTON, TX METROPOLITAN DIVISION WISE $271,050 $347,000 $419,425 NON-METRO WOOD $271,050 $347,000 $419,425 NON-METRO YOAKUM $271,050 $347,000 $419,425 NON-METRO YOUNG $271,050 $347,000 $419,425 NON-METRO ZAPATA $271,050 $347,000 $419,425 NON-METRO ZAVALA $271,050 $347,000 $419,425

www.FHAmortgagePrograms.com

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Whether Refinancing or Buying, We
Deliver Good Answers to Great Questions!

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What is the difference between a fixed and adjustable rate mortgage?
Can I buy a house using a FHA Loan?
How much mortgage do I qualify for using an FHA Loan?
Does the FHA loan impact how much house I can qualify to buy?
How do I qualify for a home mortgage using the FHA program?
What is the difference between a regular mortgage and a FHA Loan?
Do you have to improve your credit score to get a better rate with FHA?
What is the importance of credit when you apply for an FHA Loan?
I heard the FHA loan is only for 1st time buyers, is that true?
My mortgage company says I should not consider the FHA program. Why should I listen to you and not them?
I want to improve my mortgage term. Can I refinance my FHA loan now?
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Texas FHA Home Loan, Texas FHA Lender,

The FHA Home Loans

The FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than other types of real estate mortgage home loan programs. Here are just some Examples of how FHA can help you buy a home,

Minimal Down Payment and Closing Costs.

•· Down payment less than 3% of Sales Price

•· 100% Financing options available

•· No reserves or required.

•· FHA regulated closing costs.

•· Seller can credit up to 6% of sales price towards buyers costs.

•· Easier Credit Qualifying Guidelines such as:

•· No minimum FICO score or credit score requirements.

•· FHA will allow a home purchase 2 years after a Bankruptcy.

•· FHA will allow a home purchase 3 years after a Foreclosure.

•· Easier Debt Ratio & Job Requirement Guidelines such as:

•· Higher Debt Ratio's than other home loan programs.

•· Less than two years on the job is allowed.

•· Self-Employed individuals o.k.

Call 1-800-570-0448 or apply online using our quick application right now to get experienced professional and friendly Texas mortgage service from 1st Continental Mortgage.

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"We like to think of our FHA Loan program as one of life's opportunities for our clients to succeed where they may have failed in the past. It's only one slice of the American Dream, but it's a very filling piece."

1st Continental Mortgage is a Licensed Mortgage Lender approved to originate the FHA Home Loan. We are not a government organization, but we are approved by HUD to originate one of the best home loan programs ever developed for the average American, the FHA mortgage. Beyond the FHA home loan program, we offer a wide selection of Conventional mortgage loan programs which help many First Time Buyers and existing homeowners achieve financial security. Our FHA loan programs includes the cost saving FHA streamline refinance program which can significantly reduce the amount of money and paperwork it takes to refinance any existing FHA loan into a lower rate. Best of all, the streamline FHA home loan does it without having to qualify for a new FHA loan. Call now at 1-888-427-5442 to learn how we can help you today!

You can get a FREE consultation from one of our FHA Home Loan Specialists by taking 30 Seconds or less to complete our Quick Inquiry Form regardless of whether you are a first time home buyer or a seasoned home owner. The FHA Loan program is an outstanding mortgage opportunity for any home buyer or home owner. Don't wait another moment! Call today at 1-888-427-5442 or you can get your FHA home loan application started by using our fast, easy, no obligation Quick Application.

Keep in mind that Federal Housing Authority (FHA Guidelines) does not originate the FHA home loans funded under the FHA loan program. They only insure the FHA mortgages underwritten and funded by approved Lenders and Brokers who then originate the FHA home loan for the benefit of their borrowers. Call today! 1-888-427-5442!

Our FHA Mortgage Opportunities

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Via this site, we offer the full range of FHA Mortgage programs that provide each of our clients a valuable opportunity to not only qualify for a mortgage loan, but qualify for a low interest, fixed rate program that doesn't base your financing on a credit score! To apply for any of our mortgage programs, simply complete our easy Quick Application that comes with no surprises and no obligation!

• We offer very competitive FHA Interest Rates
• Very flexible FHA Loan Qualification guidelines
• Top notch quality controlled loan packaging that gets approvals
• Down Payment help allowed
• Creative Financing Solutions
• Simple Interest fixed mortgage rate programs and adjustable mortgage rate loans
• Low Rate Debt Consolidation Loans
• Cash Out FHA Refinance Loans
• The Streamline Refinance Mortgage Program
• HUD Approved Manufactured Home Loans
• The FHA 203k Loan for home rehabilitation and improvement
• The HUD endorsed FHA Reverse Mortgage Program
• Check out our Fantastic FHA Mortgage Calculator
• All FHA Home Loans are Fully Assumable
• Over 150 Investors with well over 500 conventional mortgage loan program variations beyond just the FHA programs you'll find here!

The fact is, we offer a broad range of loan programs that include an outstanding FHA Loan product range, the exclusive FHA Credit Flex program, all the way to our Custom Home Loan financing options, give 1st Continental Mortgage a call today at 1-888-427-5442! We're confident you won't be disappointed. We want to again invite you to apply for an FHA mortgage online using our Quick Application, or, you can just as easily request a specialty financing quote on a Luxury Home Loan. No matter what your lending needs, 1st Continental Mortgage is here to guide you home! Call today!

What Is a FHA Loan Program?

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In 1937, congress created the Federal Housing Administration (FHA Loan) in order to provide a better and broader opportunity for the average American family to become home owners.

In the past, home ownership was achieved with excessively large down payments of 30% to 50% and required a loan through the local community bank under restrictive terms and conditions that the majority of Americans simply couldn't afford. Enter, the FHA Loan Program!

The act of congress which created the FHA loan has opened the door to home ownership to millions of Americans and launched a revolution in the mortgage lending industry. One of the few things in history, which many can agree, congress actually got right! We want to again invite you to apply online today using our Quick Application for an FHA loan or, any other mortgage program we offer. If you're more comfortable speaking over the phone, just give us a call today at 1-888-427-5442 for a confidential one on one conversation with a mortgage professional. www.FHAmortgagePrograms.com

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What is FHA? For Texas home buyers or homeowners, the FHA loan program represents a valuable opportunity to achieve a mortgage solution using either a purchase or refinance program. FHA is the short for Federal Housing Administration. The U.S. Congress created the Federal Housing Administration in order for home buyers, just like you, to have greater access to mortgages loans. This is ideal for residents of the great state of Texas. The FHA program does this by insuring the mortgages for single family and multi-family homes. Utilizing mortgage insurance premiums, the FHA program offers protection to lenders against potential loss that may result should a homeowner default on a government insured FHA loan. In return, Texas homeowners and home buyers get great rates, and all the security an Government program like FHA affords borrowers.

FHA Mortgage Loans originated in Texas must be able to meet the underwriting requirements established for the program to qualify. Since 1934 the FHA program, overseen by HUD, have helped nearly 34 million people achieve financing.

100% loan financing for Texas home buyers

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Many mortgage companies in Texas offer 100 percent financing. However, these loans do nothing out the closing expenses. These closing costs cannot be added directly to the loans. The reality is, if the FHA loan program is right for you, we offer many conventional programs that can facilitate you loan requirements.

Depending on the kind of loan you select and the actual home that you want to purchase, closing costs usually run 4 to 6% of the purchase price. The FHA loan program allow up to 6% seller paid closing costs, and 3% down can be paid via a down payment program or qualified gift. With our conventional program, we are limited by the underwriter as to what will be approved. The higher your credit score and more secure your picture, the higher the probability that the underwriter will allow up to 6% seller paid closing costs.

Regardless of FHA or conventional, in most instances, Texas sellers are permitted to pay up to 6% of the closing costs of home buyer. Since shopping for a Texas mortgage can lead to a lot of uncertainty, we would invite you to consider our services. Please read through our programs and consider everything we can offer as a lender. If you don't feel comfortable, we encourage to continue shopping.

Can a Texas FHA Loan help a Texas first time home buyer?

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Definitely, the Texas FHA Loan is a big help for first time home buyers. Texas FHA loans are insured backed by the United States Government and offer you security and opportunity.

The following are just some of the advantages and benefits a Texas FHA mortgage loan for first time home buyers.

• FHA mortgage offers easier credit qualifications; it does not required any minimum credit score · and in some instances, may not require you to pay off charge-offs and past collections.
• FHA loans offer low or even no down payment. The no down payment opportunity is possible when using down payment assistance
• With a FHA mortgage, you only take care of a single payment every month. The taxes and the insurance are included in the payment.
• FHA has a much lower rate of interest than the bad credit alternative loans.

What are the requirements to pre-qualify for a Texas FHA loan?

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Qualifying for a Texas FHA loan is as easy as calling 1-888-427-5442. A 1st Continental Mortgage representative can gather all of the necessary answers to questions which will identify whether you may qualified for a low rate FHA home loan. Not ready to talk with someone just yet? Complete our Quick Application and a loan officer will contact you at the time you specify.

What are the fees that I should expect as part of a Texas FHA mortgage?

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Answers to Mortgage Questions

Whether Refinancing or Buying, We
Deliver Good Answers to Great Questions!

I need a mortgage. Why should I do business with you?
What is a Home Loan?
What is a Mortgage?
What is Refinancing?
What is FHA?
What is HUD?
What is Sub Prime?
What is a Lender? Do I need a Lender?
What is a Broker? Should I use a Mortgage Broker?
What is a Mortgage Originator?
What is a Mortgage Loan Processor?
What is a Mortgage Underwriter?
What is a Pre-Approval Letter?
What is a Mortgage Commitment?
What do I need to apply for a mortgage?
What is the difference between a fixed and adjustable rate mortgage?
Can I buy a house using a FHA Loan?
How much mortgage do I qualify for using an FHA Loan?
Does the FHA loan impact how much house I can qualify to buy?
How do I qualify for a home mortgage using the FHA program?
What is the difference between a regular mortgage and a FHA Loan?
Do you have to improve your credit score to get a better rate with FHA?
What is the importance of credit when you apply for an FHA Loan?
I heard the FHA loan is only for 1st time buyers, is that true?
My mortgage company says I should not consider the FHA program. Why should I listen to you and not them?
I want to improve my mortgage term. Can I refinance my FHA loan now?
How soon can I refinance to a new home loan?
How often can I refinance my home?
How can I refinance my home when I have credit problems?
Where can I refinance my home if I'm late on my mortgage?

http://www.fhamortgageprograms.com/mortgage/fha-loan-program.shtml

There are many customary and reasonable fees that will be charged to you part of a Texas FHA mortgage loan. Such fees include inspection fees, credit report fees, appraisal fees, fees on document preparation and other similar charges. Upon request, 1st Continental Mortgage would be very happy to provide you with a list of charges you can expect to see when your FHA loan closes. Remember, closing costs for the Texas FHA loan program are regulated by the Federal Government. There are some things you should not and will not pay when you close with us.

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