Home buyer looking over financing options while considering budget constraints

Southlake’s Trusted FHA Mortgage Provider

Buying your first home can feel overwhelming—but it doesn’t have to be. At Assurance Home Loans, we specialize in helping first-time buyers in Southlake and the surrounding areas secure financing with confidence, clarity, and support every step of the way.

What Is an FHA Loan?

An FHA loan is a mortgage insured by the Federal Housing Administration. It allows for lower credit scores, smaller down payments, and more lenient approval guidelines than many conventional loans—making it a popular option for first-time and lower-to-moderate income buyers.

Why Choose an FHA Loan?

Low down payment (as little as 3.5%)
Credit scores as low as 580 may qualify
More forgiving debt-to-income (DTI) ratios
Competitive interest rates
Can use gift funds for down payment or closing costs
Available for single-family homes, townhomes, and condos

Your First Home—With the Right Guidance

We understand that buying your first home isn’t just about numbers—it’s about peace of mind. That’s why we take time to answer your questions, explain your options, and help you understand every part of the loan process.

Is an FHA Loan Right for You?

FHA loans are ideal for:

First-time home buyers
Borrowers with lower credit scores
Buyers with limited savings for a down payment
Anyone seeking more flexible qualification guidelines

How We Help You Secure an FHA Loan

Free Consultation – We review your financial profile and goals
Pre-Approval – Get a clear budget and boost your offer strength
Loan Matching – We confirm FHA eligibility and guide you through program requirements
Underwriting & Appraisal – FHA-specific steps reviewed by our team
Closing – Final documents signed, keys in hand

Why get an FHA loan with Us

In-depth FHA expertise
Personalized guidance throughout the loan process
Competitive FHA-approved lenders
Local insight and responsive service
Help with paperwork, qualification, and next steps

Let’s Find Out If an FHA Loan Is Right for You

You don’t need perfect credit or a big down payment to own a home. Let’s talk and see if an FHA loan fits your situation.

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FHA Loan FAQs

What is the minimum credit score for an FHA loan?

Most lenders require at least a 580 score with 3.5% down, though some may allow lower with 10% down.

Can I use an FHA loan for a fixer-upper?

Yes! The FHA 203(k) loan lets you finance both the purchase and renovation of a home.

Do I have to be a first-time buyer to use FHA?

No. FHA loans are available to all qualified buyers, not just first-timers.

Pursuing the Art of Home Financing

You have a CHOICE when you need mortgage financing, and it is a PRIVILEGE to be considered for the job! We hope to EARN your goodwill and begin a long-time FRIENDSHIP with you.