Top Flite loan officer explaining an FHA loan to a client
FHA Loan Benefits
Why This Loan?
  • Fixed Rates
  • Credit Scores as low as 500!
  • FHA High Balance with a 540!
  • 3.5% Down Payments
  • Pick Your Term – from 10 to 30 Years
  • Non-Occupying Co-Borrowers Allowed
Client asking questions about FHA loans
FHA Loan Qualifications
Do I Qualify?

Typically, an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low-down payment and you can have less-than-perfect credit.

At Top Flite Financial, we allow credit scores down to a 500 fico and will consider borrowers with debt to income ratios up to 57%. We have one of the most aggressive FHA products that you will find anywhere.

Client filling out paperwork
How to Apply
The FHA Loan Process

With our online platform and our expert lending specialist, we make a stressful process easy. Here’s how our home loan process works:

  1. Complete our simple FHA Loan Qualifier
  2. Receive options based on your unique criteria and scenario
  3. Compare mortgage interest rates and terms
  4. Choose the offer that best fits your needs
How to Apply

The FHA Loan Approval Process

Step 1

Let Us Know Your Goals
Contact your Top Flite loan officer – he or she will ask some questions about your situation, find out what you’re trying to accomplish and gather some preliminary information.

Step 2

We’ll Run the Numbers
Your loan officer will take that information and use it to put together some options for your refinance. Don’t worry if your credit isn’t perfect – we’ve helped people whose credit is as low as 500. We’ll take a look and let you know if and how we can help.


Step 3

Then the Fun Starts
You look over the options. You pick the one that sounds best. We work on getting the house approved by ordering your appraisal right away. You will be providing us with some basic documentation and other items related specifically to your situation. Once the appraisal is back and all preliminary items have been provided, your loan goes straight to underwriting.

Step 4

Underwriting & Processing Join In
Your application makes its way to our behind-the-scenes magic department – that is, our underwriting department. These wizards will take a look at all your information, request any additional information if necessary and finally give your refinance the rubber stamp of approval.  We will send a closing agent right to your home to sign the final closing paperwork

Apply Now