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FHA Secure Loan Program

The Federal Housing Administration or FHA was founded in 1934 for the purpose of providing mortgage insurance on loans made by FHA approved mortgage lenders. As a result of the formation of the FHA home ownership has become a reality for many people who could have never qualified for a loan... view more »

First Time Home Buyers

The FHA was created in 1934 to make the dream of homeownership a reality for many who could have never qualified for a home of their own. The FHA is not a lender but rather a governmental insurance provider that insures loans that FHA approved lenders make to homebuyers. This insurance is the security for the lender that if the borrower doesn’t pay the FHA will pay a portion of the outstanding balance mitigating the risk of the lender... view more »

Making Your House A Home

Are you looking for a brick home? Would you like to choose the colors of your carpet and paint? Do you currently own a home you would like to remodel? If your interested in making your house a home then FHALoanLock.com has made it easy to find the right home improvement loan or new home loan that will help you live out the dream of owning the home of your dreams... view more »
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Our mission is simple: if you are interested in securing an FHA loan so that you can purchase a new home, or refinance an existing loan, we want to connect you with the appropriate lender from our network. How do we accomplish this mission? By pre-qualifying visitors with a series of simple questions. Once we have answers to those questions, we can connect you with the lender who is right for your specific needs and situation. Our proprietary network of lenders will work with you to secure a government-insured FHA loan regardless of your credit history or any other issues that can sometimes be preventative.

Our lenders can provide assistance in all of the following situations:

  • If you are a senior trying to refinance your home, get a reverse mortgage, or purchase a new home
  • If you are a first time homebuyer looking for the right loan with little or no money out of pocket, low rates, no fees, and a quick pre-qualification process
  • If you are a home owner with an existing FHA loan looking to lower your payment or drop your rate through an easy refinance.
  • If you are military affiliated and are looking to use your VA loan option or refinance your VA loan.
  • If you have bad credit and are looking to get out of the rental rat race and own your own home, or qualify for a new mortgage or refinance with minimal credit requirements and little to no money down.

No matter what your situation may be, we are confident we can match you with the right lender to help you make a decision about buying or refinancing your home.

We offer a NO FEE competitive quote experience. FHALoanLock.com does not charge any kind of fee for the service of matching borrowers with lenders.

What is an FHA Loan?

An FHA loan is a loan made by an FHA approved bank that is FHA insured. FHA loans are typically one of the easy home loans to qualify for. FHA Loans typically allow for bad credit mortgage approval as long as the borrower has the means to repay. That being said, programs recently announced by HUD now allow for FHA Streamline Refinancing. An FHA Streamline Refinance requires no verification of employment, no verification of income, no minimum credit score, and no appraisal. So why does FHA offer this? They want homeowners to have lower interest rates and lower payments so they can avoid foreclosure and stay in their homes. (Remember the FHA isn’t the bank they are the insurer. The lower your payment, the easier it is to make, which makes for a safer investment for the FHA.) Take advantage of this program or others available today. Lower your mortgage payment on your current mortgage or new home purchase and save money.

FHA Streamline Loans vs HARP Loans

These two government loan programs are very different. FHA Streamlined Loans are for homeowners with a traditional loan through a bank. The HARP loan program is designed to help borrowers with loans that are owned by Fannie Mae or Freddie Mac. Regardless of who owns your loan, there are many options available for a better rate even if you owe more than your home is worth or have bad credit. If you are looking to purchase a new home or refinance your existing home and would like to get a rate quote online or for the best mortgage rates start by selecting “get my free quote” above. At FHALOANLOCK.COM we provide you with your available options within seconds of receiving your “one minute snapshot”. You could be just seconds away from a better rate, a lower payment, and an easy loan approval. Start your search now!