NMLS #2498240

FHA Loans

Low down payments make homeownership attainable
Designed for any type of homebuyer with a lower-than-average credit score and little down payment.
  • Lower Down Payment
  • Flexible Credit Requirements
  • Assumable Loans
  • Rehabilitation Loans


This type of loan typically has a lower interest rate of 3.5%. Mortgage insurance is required during the process of the purchase.  This type of loan has a limit for what a buyer can borrow depending on the area. Unlike other types of loans, FHA loans have a specific safety standard the property must meet. 


  • Minimum of 580 credit score
  • Proof of income (Bank statements and pay stubs), assets, and tax returns 
  • Maximum of 50% Debt-to-Income ratio (DTI)
  • Required down payment: 3.5%
  • Mortgage Insurance

Loan Disclaimer

Not all applicants will qualify. Please meet with one of our licensed loan officers for more information. Rates, fees, terms, and programs are subject to change without notice. Not all loans, loan sizes, or products may apply. Home loan programs are only available in Texas.

Loans are subject to borrower qualifications including income, property evaluation, sufficient equity in the home to meet loan-to-value requirements, and final credit approval. Approvals are subject to program guidelines and Sociable Mortgage’s lending policies and are subject to change without notice.

Let us guide you.

Free consultation.

Our Signature Process

Let our expert team handle the complex mortgage process as you envision your dream home. We provide an efficient and enjoyable experience, allowing you to create a lasting home for yourself and your loved ones. Let’s work together to bring your dream to life.