Loan Options
FHA purchase & refinance loans
Government-insured loans with flexible credit requirements and down payments as low as 3.5% — a proven path to homeownership for first-time and returning buyers.
What is an FHA loan?
FHA loans are insured by the Federal Housing Administration and offered through approved lenders. Because the insurance reduces lender risk, FHA programs can accommodate lower credit scores, smaller down payments, and higher debt ratios than many conventional loans.
A good fit if you
- Are a first-time buyer or haven't owned recently
- Have limited savings for a down payment (as low as 3.5%)
- Have fair or rebuilding credit
- Want to use gift funds from family toward your down payment
FHA refinance options
- Rate-and-term refinance to improve your rate or payment
- FHA Streamline refinance for existing FHA borrowers — reduced documentation and no appraisal in many cases
- Cash-out refinance to access equity for major expenses
Things to know
- FHA loans require an upfront and annual mortgage insurance premium (MIP)
- The property must be your primary residence and meet FHA appraisal standards
- FHA county loan limits apply and vary by area
Invicta Mortgage Group is not affiliated with the FHA, HUD, or any government agency. FHA loans are insured by the Federal Housing Administration and offered through approved lenders.
Not sure which program fits? That's our job.
Talk with a licensed loan originator — no documents needed, no credit impact, no obligation.
Get Pre-Qualified Call (570) 207-6334