FHA Loans on the Cheap!

Get a FREE quote on an FHA Loan & save thousands of dollars per year.

Homeownership can seem like a distant dream for many, particularly for first-time buyers or those with less-than-perfect credit. At Optimal Loans, we're committed to bringing this dream within reach. An FHA loan, backed by the Federal Housing Administration, could be your key to unlocking the door to your new home. Let's dive into the details of FHA loans and how they could benefit you.

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Why an FHA Loan?

Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. An FHA down payment of 3.5% is required. Borrowers who cannot afford a traditional down payment of 20% or can’t get approved for private mortgage insurance should look into FHA loans.

FHA LOAN QUALIFIER

“As first time buyers, we really appreciated the support and assistance from Karan and his team. His team was professional, prompt and communicated clearly. The overall experience was very smooth for us. Everyone is on top of their game on getting things done.Thank you so much Karan.”

Poonam Othee

The FHA Loan Process

Here’s how our home loan process works:

  • Complete our simple VA Loan Qualifier
  • Adjustable Rate Mortgage (ARM)
  • Receive options based on your unique criteria and scenario
  • Choose the offer that best fits your needs
  • Fixed Rates
  • Adjustable Rate Mortgage (ARM)
  • Conforming Loans
  • Jumbo & Super Jumbo Loans
  • FHA, VA, & USDA Loans
  • Terms from 5 to 30 Years
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More About FHA Loans

Our FHA Loan Rates Are Low & Our Process is Quick & Painless

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.

We’re here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

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Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below:

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