NMLS #2738664•Licensed in FL, CO & KY•DSCR Nationwide (40+ States)
    MG
    FHA Loans

    Your Path to Homeownership Starts Here

    Government-backed financing with flexible qualification requirements — designed to help more people buy a home.

    What is an FHA Loan?

    Government-Backed. Accessible. Trusted.

    An FHA loan is a mortgage insured by the Federal Housing Administration, a division of HUD. Because the government backs these loans, lenders can offer more flexible qualification requirements — making them popular for first-time buyers and those who are rebuilding their financial profile.

    Key Benefits

    Homeownership Within Reach.

    Down payment as low as 3.5%
    More flexible credit requirements than conventional loans
    Seller can contribute toward closing costs
    Competitive interest rates
    Available for single-family homes, 2–4 unit properties, and approved condos
    General Requirements

    What You Need to Know.

    These are educational guidelines, not guarantees. Every borrower's situation is different — let's look at yours together.

    1
    Credit and down payment requirements — speak with Joshua for current program guidelines
    2
    Mortgage Insurance Premium (MIP) required (upfront and monthly in most cases)
    3
    Primary residence only — cannot be used for investment properties or vacation homes
    4
    Property must meet FHA appraisal standards
    5
    Standard income, employment, and asset documentation required

    Note: FHA loans require an upfront mortgage insurance premium and ongoing monthly MIP, which affects the total cost of the loan. Ask Joshua to compare FHA vs. conventional for your specific situation.

    Who This Is For
    First-time homebuyers, buyers with limited down payment savings, and those working toward homeownership who want a government-backed program with accessible qualification standards.
    Ready to Buy?

    Let's See if FHA Fits You.

    Tell me about your situation — and I'll show you if an FHA loan is the right path to homeownership.

    Joshua Billings, NMLS #2738664. NEXA Mortgage LLC, NMLS #1660690. 5559 S Sossaman Rd, Bldg 1 Ste 101, Mesa, AZ 85212. Licensed in FL, CO & KY. Equal Housing Opportunity. This is not a commitment to lend. Terms and conditions apply.