FHA Loans Make Qualifying Easy!

An FHA loan is the easiest way to qualify for home buying AND refinancing.
Kwik Mortgage is an approved FHA lender and our clients love the low fixed rates and security of a government-insured loan.
You can refinance up to 97.75% of your home’s value. FHA cash-out refinance loans allow you to take out up to 85% of your home’s value.
Refinance your FHA loan and get a lower mortgage rate and payment with an FHA Streamline – even if you owe more on your home than it’s worth.
FHA also allows seller concessions up to 6% of your home purchase price.
Need a lower payment? Ask your Home Loan Consultant about Buy Down for FHA – a 1-year 1% reduction in your mortgage rate!

Talk with a Home Loan Expert Now at (866) 594-5684 or fill out the short application to get started!

Why Should You Choose Kwik Mortgage?

When it comes to your finances, we know the mortgage company you choose is important. We want you to know that we keep the same importance in our minds when serving your needs. Our clients are our top priority. We strive to bring you the best service in the industry, and promise to make this your best mortgage experience ever.
When you work with us, you’re dealing with an experienced, reputable company. For over 10 years we’ve been helping families just like yours refinance or purchase their homes. Our technology and people allows us to process your loan in half the time of most other lenders. And our dedication to customer service ensures your experience will be smooth and efficient.

Our assumptions.
FHA Loan: Rate is fixed. The payment on a $202,000 30-year fixed rate loan at 4.25% and 95% loan-to-value (LTV) is $1,177.05 with 1 Points due at closing. Payment includes a one time upfront mortgage insurance premium (MIP) at 1.00% of the base loan amount and a monthly MIP calculated at 1.10% (183.33/monthly) of the base loan amount. The 1.10% monthly MIP will be paid until the loan reaches 78% LTV provided the MIP has been paid for a minimum of 5 years. Thereafter, the monthly loan payment will consist of equal monthly principal and interest payments only until the end of the loan. Payment does not include taxes and insurance. Some state and county maximum loan amount restrictions may apply. The Annual Percentage Rate (APR) is 5.230%.

Yes, You May Qualify for an FHA Loan!

FHA loans are great for buying AND refinancing! Kwik Mortgage is an approved FHA lender and the FHA loan is one of our most popular loans, allowing more people to qualify under the flexible credit guidelines. Our clients love the low fixed rates and security of a government-insured loan. To find out if an FHA loan is right for you, call (866) 594-5642 today!

Refinancing with an FHA Loan

You can refinance up to 97.75% of your home’s value. Or make a smart financial move and get cash from your home to consolidate your high-interest debt to a low, fixed rate – FHA cash-out refinance loans allow you to take out up to 85% of your home’s value.
Do you currently have 2 mortgages on your property? Are you under water with the total equity in the house? Let Kwik Mortgage show you a better way to help alleviate the financial pressure and either consolidate or refinance your high-interest debt for a low, fixed rate – FHA allow you to take out up to 97.75% irregardless of CLTV of your home’s value.
If you’re currently in an FHA loan, you could get a lower mortgage rate and payment with an FHA Streamline. The FHA Streamline offers a limited documentation option, has flexible credit requirements, and you could even avoid an appraisal. Refinance your FHA loan and qualify for a lower mortgage payment – even if you owe more on your home than it’s worth. Answer a few questions to find out how to qualify for an FHA Streamline Refinance or call us now at (866) 594-5684 to find out if you qualify for an FHA Streamline refinance loan.
Our mortgage application and processing uses exclusive technology that cuts the headaches out of getting an FHA loan. We even offer the choice to sign some of your documents online!

Purchasing a home with an FHA loan

Your down payment can be as low as 3.50% of the price of the home.
First-time home buyers can get the first time home buyer credit up to $8,000! “First-time home buyers” includes anyone who hasn’t owned a home in the past three years.
FHA also allows seller concessions up to 3% of your home purchase price.
Need a lower payment? Ask a mortgage consultant about Buy Down for FHA – a 2-year 1% reduction in your mortgage rate! Instead of taking an ARM, choose Buy down on your FHA loan and enjoy a low payment AND a fixed mortgage rate.

Congress has raised the loan limits for FHA loans across the country! For example, in Edison, the FHA loan limit went from $362,790 to $625,500. Higher loan limits mean lower rates for more people! Get in touch with us today: fill out the form on the right or call (866) 594-5684 to find out the current FHA loan limit in your county. Don’t wait until it’s too late! *Consult your tax advisor.

How the FHA Loan Works

FHA loans are available as both a 15- and 30-year fixed-rate loan.
FHA loans are created by the Federal Housing Administration under the department of HUD.
You can refinance up to 97.75% of your home’s value. Or, if you’d like a cash-out refinance, you can refinance up to 85% of your home’s value.
Only a 3.50% down payment required for home purchases.
Kwik Mortgage FHA Rate Buy Down gives you up 2% off your mortgage rate for a whole year! Ask how this works.

Refinance with an FHA Loan

Get cash to pay off higher-interest debts. FHA offers cash-out refinances up to 85% of your home’s value! Do the right thing and consolidate your debt into one lower payment!
If you have an ARM that is adjusting upwards, you can refinance your mortgage up to 97.75% of your home’s value.
If you’re in an FHA loan now, call us now at (866) 594-5684 to find out if you qualify for an FHA Streamline refinance loan. You could get a lower rate with less hassle and documentation with FHA Streamline. Find out if you qualify for an FHA Streamline Refinance.

New Higher Loan Amounts across the Country

Congress also changed the loan amount limits of FHA loans. This significantly raises the amount of the maximum mortgage that will qualify for the great low rates and security of an FHA loan. With the temporary mortgage relief one can borrow up to $729,500 on a Single Family residence. Call us at (866) 594-5684 to find out the new loan limits in your county. Is an FHA Loan for You?
Is your ARM adjusting and you need to refinance to a low-cost fixed-rate mortgage?
Do you want to get cash out of your home?
Do you want a fast approval?
Do you have a lower credit score or lower household income?
Are you purchasing a home and have a low down payment?
FHA loans have new higher loan limits for every county. Ask a Home Loan Expert today if you qualify!