FHA Loans
Making Homeownership Accessible for Everyone
The dream of owning a home shouldn’t be sidelined by a less-than-perfect credit score or a small savings account. At Skynet Financial Co., we specialize in FHA loans—government-backed mortgages designed to help low-to-moderate-income families and first-time buyers secure a home with more flexible requirements. Insured by the Federal Housing Administration, these loans provide a “safety net” for lenders, which allows us to offer you better terms, lower down payments, and easier qualification standards right here in Tustin.
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Low Down Payments and Flexible Credit Standards
The biggest hurdle for most homebuyers is the traditional 20% down payment. With an FHA loan, you can move into your new home with as little as 3.5% down if your credit score is 580 or higher. Even if your credit score falls between 500 and 579, you may still qualify with a 10% down payment. This flexibility makes FHA loans one of the most popular paths to homeownership, as it allows you to keep more of your hard-earned savings in your pocket for moving expenses, furniture, or home improvements.