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The #1 USDA Originator in the Nation 2014 & 2015 and Top Originator 2016!

The FHA, or Federal Housing Administration, provides mortgage insurance on loans made by FHA-approved lenders. FHA insures these loans on single family and multi-family homes in the United States and its territories. It is the largest insurer of residential mortgages in the world, insuring tens of millions of properties since 1934 when it was created. FHA is a more friendly program as it has enhanced flexible credit score, debt to income Ratio, and low down payment requirements. Call Home Solution Lenders or apply now to see which loan is the best for you.

  • ​Easily upload required documents with our secure upload process
  • ​Close Fast!

Have you heard about the new procedures in the TILA (Truth in Lending ACT) RESPA (Real Estate Settlement Procedures ACT) Integrated Disclosure, also known as TRID?  Do not be intimidated by these terms, let our expert staff can explain and take the stress out of your loan process.​​​

Call 863-607-4663 to speak with a specialist or Apply Now.

HSL FHA Guidelines

  • 3.5% Down Payment required (Gifts allowed)
  • 580 Credit Score Minimum
  • 620 Credit Score with AUS approval will allow expanded ratios as high as (46.99/56.99)
  • 3 Years from Short Sale/Foreclosure/Deed-in-lieu
  • 2 Years from Bankruptcy Chapter 7
  • Manual Underwriting allowed to 31%/43% Ratios
  • Payoff of collection(s) not required (ML-24)
  • Verification of rental determined by AUS

FHA Loans