FHA
Need to Know
FHA Mortgage
FHA loans are government-backed mortgages insured by the Federal Housing Administration. They are designed to help first-time homebuyers, borrowers with lower credit scores, or those with limited down payment funds.
Why Choose an FHA Loan?
✅ Low Down Payment – As little as 3.5% down
✅ Flexible Credit Requirements – Credit scores as low as 580 may qualify
✅ Competitive Interest Rates – Backed by the government
✅ Higher Debt-to-Income Ratios Accepted
✅ Gift Funds Allowed – Use gifts or assistance for your down payment
Who is it for?
FHA loans are ideal for:
First-time homebuyers
Buyers with less-than-perfect credit
Those with limited savings for down payment
Buyers needing higher loan-to-value (LTV) financing
What You’ll Need:
Steady income and employment history
A valid U.S. Social Security Number
A minimum credit score of 580 (with 3.5% down)
Mortgage insurance (MIP) – required upfront and monthly
What’s Not Required:
Perfect credit
Large down payment
Reserves (in most cases)
Get Started Today
At VMA Lending, we’ve helped hundreds of homebuyers secure FHA financing—even when they thought it wasn’t possible. With over 30 years of experience, you’re in good hands.
✅ Schedule an appointment
✅ Get pre-qualified now
✅ Ask about Down Payment Assistance (DPA)
📞 Call us today at 786-622-2224 or
📅 Schedule your free consultation to explore your options!
MEET THE PROFESSIONALS
Questions? We'll Put You On A Right Path!
We understand that the mortgage process can feel overwhelming, but you’re in great hands. With over 30 years of experience helping clients just like you, we’re here to guide you every step of the way — from pre-qualification to closing and beyond.
Whether you’re buying your first home, refinancing, or exploring investment opportunities, our team is committed to making the process smooth, transparent, and tailored to your goals.
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HOW CAN WE Help You?
To discuss how our team can help you, achieve home ownership.
ABOUT US
At VMA Lending, we bring over 30 years of combined experience helping individuals and families achieve their homeownership and real estate investment goals. As a trusted Florida-based mortgage brokerage, we specialize in FHA, VA, Conventional, DSCR, Non-QM, and Down Payment Assistance programs. Our team is committed to providing personalized guidance, competitive rates, and a smooth lending experience from start to finish. Your success is our mission.