Making homeownership accessible to everyone
3.5% Down Payment
Put down just 3.5% of your home’s purchase price
Lower Credit Requirements
Credit scores as low as 580
Fixed and Adjustable-Rates Available
Loans up to $817,650 to get you the home you need
Guidelines for This Loan
If your details are close to these guidelines, we encourage you to apply or contact us.
The Home
Must be your primary residence. You can also use this loan to refinance an existing mortgage.
Credit And Debt
Must be your primary residence. You can also use this loan to refinance an existing mortgage.
Mortgage Insurance
Must be your primary residence. You can also use this loan to refinance an existing mortgage.
Closing Costs
Must be your primary residence. You can also use this loan to refinance an existing mortgage.
Frequently Asked Questions
Answers to questions about this loan we heard from people like you during research.
Do you have another question that isn’t here?
What are the benefits of FHA loans?
FHA loans offer advantages like low down payment options (as little as 3.5%), flexible credit requirements, and the ability to use gift funds for down payments or closing costs. Additionally, there are no penalties for paying off your loan early.
Who is an FHA loan best suited for?
These loans are ideal for first-time homebuyers, individuals with limited savings for a down payment, or those who may not have a high credit score. They’re also great for anyone seeking to refinance an expensive loan or keep monthly payments manageable.
Can I use gift money to cover my FHA loan down payment?
Yes, 100% of your down payment and closing costs can come from gift funds, as long as the source meets FHA guidelines.
What types of mortgages are available with FHA loans?
Borrowers can choose between fixed-rate and adjustable-rate mortgage options, offering flexibility to suit different financial needs and goals.
Are there penalties for paying off my FHA loan early?
No, FHA loans do not have prepayment penalties, allowing you to pay off your loan ahead of schedule without incurring extra fees.
Can I qualify for an FHA loan if I don’t have perfect credit?
Yes, FHA loans are designed to accommodate individuals with less-than-perfect credit, offering more lenient qualification guidelines compared to conventional loans.
Can FHA loans help with refinancing an existing mortgage?
Absolutely. FHA loans can be a great option for refinancing if you’re looking to lower your interest rate or reduce monthly payments on a high-cost mortgage.
We’ve Helped Over
700 Oregon Families
Just Like Yours
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We’ll guide you every
step of the way home
1
Initial Consultation
Tell us what you’re looking for, and we’ll assess your needs.
2
Submit Your Loan Application
We’ll help you navigate the details with ease.
3
Get Pre-Approved
Feel confident in your search with pre-approval in hand.
4
Close and Move In
Enjoy your new home, with the right mortgage and total peace of mind.
Choose a Path to
Peace of Mind
Imagine a mortgage experience that’s smooth and reassuring, handled by a team that makes everything easy and transparent.
With DC Lending, you’ll get the support you deserve, from application to closing, so you can open the door to your dream home with confidence.
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