FHA Loan with VRM Lending LLC

 | FHA Loan | FHA Loan

Looking for your first house without worrying about a huge down payment? An FHA loan is a mortgage backed by the Federal Housing Administration and offered through private mortgage companies, making it potentially easier to qualify for than conventional loans. This is because FHA loans tend to accept lower credit scores and require smaller down payments, making them ideal if you’re buying your first home or have limited financial resources. Mortgage insurance is required for this backing and the borrower is responsible for paying the premiums for this insurance.

When it comes to an FHA loan, not all lenders offer the same interest rate or costs. Connect with us to find out how we can help make this type of loan a reality for you and your family. See if you can get pre-qualified or call us to get started.
 | FHA Loan | FHA Loan

We’re here to help you with your mortgage needs

FHA Loans Features

Find out if an FHA Loan can help get you one step closer to your first house:
  • Credit score requirements are lower compared to other loans.
  • You may still be able to qualify if you previously had a bankruptcy or other financial issues in the past.
  • Low down payment requirements—you can put down as little as 3.5%.
To get an FHA Loan, you must also follow the FHA Property Requirements:
  • The home must meet the FHA’s minimum property standards:
    • Safety – The home should protect the health and safety of the occupants
    • Security – The home and surroundings should be secure
    • Soundness – The property should not have physical deficiencies or conditions affecting its structural integrity
  • The loan can’t exceed the loan amount limits in your area. Find your loan limits.
  • If you purchase the home, you need to move in within 60 days of closing.
  • The home must be your primary residence. Investment properties and second homes don’t qualify for FHA loans.


A simple online process


Our payment calculator helps you estimate your monthly mortgage payment based on the home price, down payment, loan term, and interest rate.


Start Your Pre-Qualification

See if you can get pre-qualified. It’s the first step in the home loan process, so gather your documents like income verification and bank statements to make this process smoother.
(Submitting verification documents is not required and you are not obligated to provide any until you receive a Loan Estimate and indicate an intent to proceed. This step is designed to simplify the pre-approval process should you choose to continue.)


Buy a Home

Securing a pre-qualification is an important first step in understanding what loan amount and product may suit your budget and needs, but it is not a guarantee of loan availability or approval. To move forward, once you have an accepted offer on a home, the next crucial step is to complete a full loan application. 

VRM Lending LLC is not affiliated with or acting on behalf of or at the direction of the FHA, VA, or the Federal Government.

Getting a mortgage starts here.

Start here and answer a few questions to see what you might qualify for. Feel confident in getting started without the pressure or commitment.

 | FHA Loan | FHA Loan