Update: Total Mortgage is still closing loans during the government shutdown.
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15-year fixed FHA loan

fixed payment, fast equity

21 Day Guarantee

We'll close your new purchase in 21 days or less or your first payment is on us*

the perfect loan for

first-timers and deal hunters

FHA loans are insured by the Federal Housing Administration. That means they have less stringent requirements, lower interest rates, and a lower down payment threshold. A 15-year term comes with the added bonus of potentially saving you thousands of dollars (or more) in interest over the life of the loan. It’s the smartest choice out there for those who want to pay off their home quickly and can afford slightly higher monthly payments.

Happy Couple

Get started on your 15-year FHA.

benefits

  • Down payments as low as 3.5%
  • A lower than average credit score threshold
  • Extra low closing cost options available
  • Qualifies for our GreenLight Approval Program—get GreenLit and close in 21 days*

requirements

  • A minimum 3.5% down payment
  • Primary residences only
  • A credit score of 580 or above
  • No bankruptcies in the last 2 years and no foreclosures in the last 3 years, with re-established good credit
  • A debt-to-income ratio under 43%

*Terms and conditions apply.

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