FHA Loans – Flexible, Affordable Financing Backed by the Federal Government

At Crestico, we make homeownership possible for more individuals and families through our FHA loan programs, backed by the Federal Housing Administration (FHA).

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Repayment & Loan Terms

What Is an FHA Loan?

It’s easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration home buyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit.

An FHA loan is a government-insured mortgage that offers lower down payments, more forgiving credit requirements, and flexible underwriting guidelines. Because these loans are backed by the FHA, lenders are more willing to offer financing to buyers who may not qualify for conventional loans.

FHA loans are especially popular among first-time buyers, young families, and individuals working to rebuild their credit.

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Details of an FHA Home Loan
The FHA now offers a variety of loan programs to a large population and FHA mortgages can have fixed or adjustable interest rates. Many find these home loans attractive because they require very small down payments, gifts can be used for down payments and closing costs, and because the FHA regulates the closing costs. These loans also have qualifications that are easier to meet than traditional mortgages. The FHA does not require a minimum FICO score to meet qualifications and these programs will allow homepurchase two years after a bankruptcy filing.
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Energy Efficient Mortgages
Energy Efficient Mortgages, EEMs, recognize that reduced utility expenses can permit a homeowner to pay a higher mortgage to cover the cost of the energy improvements on top of the approved mortgage. FHAEEMs provide mortgage insurance for a person to purchase or refinance a principal residence and incorporate the cost of energy-efficient improvements into the mortgage. The borrower does not have to qualify for the additional money and does not make a down payment on it. The mortgage loan is funded by a lending institution, such as a mortgage company, bank, or savings and loan association, and the mortgage is insured by HUD. FHA insures loans. FHA does not provide loans.
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Rehabilitation Mortgage Insurance (203K)
Section 203(k) insurance enables home buyers and homeowners to finance both, the purchase (or refinancing) of a house and the cost of its rehabilitation through a single mortgage – or to finance the rehabilitation of their existing home. FHA approved lending institutions which include many banks, savings and loan associations, and mortgage companies can make loans covered by Section 203(k) insurance.
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No Fico FHA Mortgage Insured Home Loans
For borrowers with Non Traditional Credit – Borrowers w/ No Fico Scores or Limited Trade-lines.

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At Crestico, our loan programs are designed to meet a wide range of financial needs—whether you're buying your first home, refinancing, investing in property, or looking for flexible financing options. From conventional and government-backed loans to non-traditional and specialty programs, we offer solutions that align with your goals. Our experts help match you with the right loan, offering competitive rates, personalized terms, and a smooth approval process.