Business Details
Your Trusted FHA Loan Partner in Texas
Texas FHA Loans is a dedicated mortgage lending service specializing in FHA-insured home loans across Texas. With a focus on accessibility and affordability, we provide tailored solutions for first-time homebuyers, repeat buyers, and those seeking to refinance or renovate their properties. Our team of experts navigates the complexities of FHA loan programs to deliver low down payments, flexible credit requirements, and competitive interest rates. We prioritize transparency, ensuring clients understand every step of the process from pre-qualification to closing. Our commitment to exceptional customer service has earned us a reputation for reliability and trustworthiness in the Texas housing market.By staying current with federal guidelines and local regulations, we empower clients to achieve homeownership with confidence. Our services extend to purchase loans, refinance options, construction financing, and specialized programs like the FHA 203k renovation loan. We pride ourselves on demystifying mortgage processes, offering personalized support to address individual financial circumstances. Through decades of combined experience, we have helped thousands of Texans secure their dream homes. Our dedication to community empowerment and financial education sets us apart as a leader in FHA lending.
Services
FHA 203(b) Loan
FHA 203k Loan
FHA Purchase Loan
FHA Refinance Loan
FHA Construction Loan
Reverse Mortgage
Highlights and features
- We offer FHA-approved loans with down payments as low as 3.5%.
- Our team provides personalized guidance through complex mortgage processes.
- We guarantee competitive interest rates and transparent fee structures.
- Our specialists are available 24/7 to address client inquiries.
- We maintain a 98% on-time closing success rate for loan approvals.
Associations and certifications
- Federal Housing Administration (FHA)
What people say
Minimal stress
True professionals
Available to answer questions
Quick and easy process
Highly recommend
Services
FHA Purchase Loan
FHA Purchase Loans provide accessible homeownership opportunities with 3.5% down payments and flexible credit requirements. Ideal for first-time buyers, these government-backed mortgages offer competitive rates and lenient debt-to-income ratios. Our specialists guide clients through property selection, pre-approval, and closing processes.
FHA Refinance Loan
Streamline or rate-and-term FHA refinance options help homeowners reduce monthly payments or access equity. With minimal documentation requirements, our refinance programs accommodate both existing FHA and conventional loan holders across Texas.
FHA 203k Loan
Finance home purchases and renovation costs in one mortgage through FHA 203k loans. Available for properties needing $5,000-$35,000 in repairs, these loans include both limited cosmetic upgrades and comprehensive structural improvements with professional contractor oversight.
FHA Construction Loan
One-time close construction loans finance land acquisition and building costs for custom homes. With 96.5% LTV financing and 620+ credit score requirements, our construction-to-permanent loans simplify the building process from groundbreaking to permanent mortgage conversion.
Reverse Mortgage
HECM reverse mortgages enable homeowners aged 62+ to convert home equity into tax-free funds. Available as lump sums, lines of credit, or monthly payments, these FHA-insured loans maintain property ownership while providing financial flexibility for Texas seniors.
People
Gerry Nicodemus
Residential Mortgage Loan Officer
NMLS# 286371 licensed mortgage expert with 15+ years of FHA loan experience. Specializes in guiding first-time buyers through low-down-payment programs while maintaining 5-star customer satisfaction ratings across multiple lending institutions.
Questions
What are the credit requirements for Texas FHA loans?
Minimum 580 FICO score for 3.5% down payments. Scores 500-579 require 10% down. We consider compensating factors like stable employment history and low debt-to-income ratios.
Can I use FHA loans for home renovations?
Yes, FHA 203k loans finance both property purchases and renovation costs. Limited programs cover $5,000-$35,000 in repairs while standard programs handle major structural improvements with professional oversight.
How does the FHA loan process work?
Start with pre-qualification, then find an FHA-approved property. Our specialists handle appraisal, underwriting, and closing processes. Government insurance reduces lender risk, enabling more favorable terms for borrowers.
Are FHA loans available for new home construction?
Yes, FHA construction-to-permanent loans finance land purchases and building costs. Requires minimum 620 credit score and 3.5% down payment. Funds disburse in stages with final conversion to permanent mortgage upon completion.
What Texas FHA loan programs exist for seniors?
HECM reverse mortgages allow Texas homeowners aged 62+ to access home equity without monthly payments. Funds can be received as lump sums, monthly payments, or credit lines while maintaining property ownership.
