580+ FICO eligible, gift funds allowed — and modeled against Conventional so you never overpay for the wrong fit.
A realistic path to keys with 3.5% down — and certainty that FHA is actually your best option, not just the easiest one to sell you.
Here is what lenders typically look for, and how to tell if FHA is the right program for your situation.
Requirements vary by lender. Subject to credit approval.
Not sure? That is what your pre-approval call is for.
Every situation is different. We will review yours and tell you exactly where you stand.
In most scenarios we're paid by the lender, not by you. When borrower-paid compensation gets you a better deal, we show you both options in writing — you choose.
50+ families helped · 21-day average close
“I had a great experience working with Jexayra Rivera from Motto Mortgage on a recent transaction. She was very knowledgeable and took the time to explain every step of the process to my client from pre-approval all the way to closing. Her communication was excellent, and she made sure the buyer felt confident and informed throughout the entire process. Even after closing, she was still available to answer questions and support the client. Highly recommend working with Jexayra!”
“I’ll simply say this. Honesty, personable, reliable, respectful and overall a Family oriented experience. I had bought 3 other homes before using Jexayra and her team and never felt this way. Thank you for what you guys do and never change.”
“My husband and I are so thankful for Jexayra, she was our loan officer for both times we purchased a home. She is absolutely amazing and overall a great loan officer. She is always willing to talk through things and explain every detail if you so need it. As soon as we knew we were moving again there was no doubt that we would go to her for our next purchase. HIGHLY RECOMMEND!”
FHA loans are designed for buyers with lower credit scores. Many lenders accept scores as low as 580 with 3.5% down. Some accept 500 with 10% down. Each lender sets its own guidelines. We will review your credit during a free planning session and tell you where you stand.
No. FHA is popular with first-time buyers, but you do not have to be one to qualify. As long as the home will be your primary residence, you can use FHA even if you have owned a home before.
FHA loans require both an upfront mortgage insurance premium (which can be rolled into the loan) and a monthly premium. This is what allows lenders to offer lower down payments and flexible credit. We will break down the exact costs during your planning session so there are no surprises.