Get into your new home faster with an FHA loan.

Owning your own home can be a great first step toward building financial security — but many first-time homebuyers struggle with the stringent requirements of standard home mortgages. If you want to buy a new home but can’t afford a large down payment, you could be approved for an FHA loan, with a down payment as low as 3.5% of the purchase price. You can also refinance your existing home loan with FHA loan refinancing, for a lower interest rate.

What are FHA loans?

FHA loans are government-insured loans regulated by the Federal Housing Administration. They have more flexible credit guidelines and lower down payments than standard home mortgages, making it easier for more people to qualify.

Case Mortgage is an approved FHA lender.

Our FHA Express Loan is one of our most popular home mortgage loans. Our experienced loan officers have the knowledge and expertise to answer any questions you may have about FHA loans. We will walk you through the approval process, and ensure your FHA loan closes as quickly as possible.

Not all FHA loans are created equal.

Interest rates, mortgage payments and speed of processing for FHA loans can vary depending on the lender you choose. At Case Mortgage, we offer competitive rates and close faster than many other lenders. We also use proprietary technology in processing our mortgage applications, with electronic signing for some documents and advanced features that help cut the headaches out of getting an FHA loan.

FHA Loan Benefits for Homebuyers

Down Payments as Low as 3.5%

Standard home mortgages require buyers to make down payments of 5% to 20% of the home’s purchase price. In contrast, FHA Loans are available with down payments as low as 3.5% of the purchase price.

Potential to Save on Closing Costs

The cost of buying a home includes more than the home’s purchase price. Buyers must also pay for closing costs like loan processing fees, title insurance, origination fees, and more. With an FHA loan, you can ask the seller to pay some of these costs on your behalf through stipulations in your loan called seller concessions. FHA loans allow seller concessions for up to 6% of your home’s purchase price.

Loans for Borrowers with Less-than-Perfect Credit

Have credit problems? You may still qualify. Generally, the higher your credit score, the lower down payment you will be able to make. With FHA loans, you need a credit score of 580 or higher to qualify for a 3.5% down payment.

Available 1-year, 1% Mortgage Rate Reduction

At Case Mortgage, we’re committed to making it easier for you to buy the home you want — and that includes lowering your mortgage payment. Ask your Case Mortgage loan officer about a 1-year, 1% mortgage rate reduction.

FHA Loan Refinancing

Lower Interest Rate

Want to lower the interest rates on your loan? Find out how much you can save with Case Mortgage’s FHA Loan Refinancing products. You can refinance up to 97.75% of your home’s value with FHA loan refinancing.

Debt Consolidation

If you’re paying high interest rates on credit card debt or other loans, FHA Loan Refinancing can be a smart financial move. A cash-out refinance can be used to consolidate high-interest debt into one loan with a low, fixed rate. FHA cash-out refinance loans allow you to take out up to 85% of your home’s value.*Not available in Texas.

FHA Streamline

If you already have an FHA loan, you could lower your mortgage rate and loan payment with an FHA Streamline. The FHA Streamline offers a limited documentation option, has flexible credit requirements, and may allow you to avoid an appraisal.If you qualify for an FHA Streamline to refinance your FHA loan.

Honoring Those Who Serve

VA Loans from Case Mortgage

Veterans and active-duty military members serve our country every day — and at Case Mortgage, we’re honored to serve you with the best veteran loans available, and exceptional service from your dedicated home mortgage professional. Find out how you can benefit from a VA loan with zero down payment, low interest rates and no private mortgage insurance.

Buy a home with $0 Down.

A VA Loan is one of the two loan programs that still allows borrowers to finance 100% of the home’s value and purchase a home with $0 down. In the not-so-distant past, many banks allowed buyers to buy a home without a down payment, but in today’s housing market, conventional home loans often require 10% to 20% down, putting home ownership out of reach for many prospective buyers.

Receive the lowest-available interest rates.

The lowest interest rates available are reserved for U.S. veterans. Interest rates for VA loans are typically 0.5%-1.0% lower than those offered for conventional home loans.

Not all FHA loans are created equal.

Interest rates, mortgage payments and speed of processing for FHA loans can vary depending on the lender you choose. At Case Mortgage, we offer competitive rates and close faster than many other lenders. We also use proprietary technology in processing our mortgage applications, with electronic signing for some documents and advanced features that help cut the headaches out of getting an FHA loan.

Receive the lowest-available interest rates.

The lowest interest rates available are reserved for U.S. veterans. Interest rates for VA loans are typically 0.5%-1.0% lower than those offered for conventional home loans.

Avoid paying PMI.

With standard home loans, borrowers are required to pay for private mortgage insurance (PMI) when financing more than 80% of the home’s value. This monthly expense is waived for VA loans, making your mortgage payment lower every month.

Get qualified more easily.

The qualification guidelines are less stringent for VA loans, which are backed by the government, than conventional home loans, so it’s generally easier to get approved. If you need assistance repairing your credit score to become eligible for a VA Loan, call us at 800-600-MUSA for help.

Loans for active-duty military and veterans

You don’t have to be a veteran to benefit from a VA loan. VA loans are available to active-duty military members and veterans alike.

We make the VA Loan process fast and simple.

At Case Mortgage, we’re grateful to our active-duty military and veterans for their service — and we consider it a privilege to service your loan. Our extensive experience in veteran loans enables us to streamline the VA Loan process, making it smooth and easy for you. Once you get started, your VA Loan Officer will be there with you every step of the way, gathering the necessary paperwork to work with the VA on your behalf.

* Although there isn’t a down payment or monthly mortgage insurance required with a VA loan, you may be required to pay a funding fee.