Quintessential Mortgage Group, LLC
NMLS # 979266

FHA Purchase

Buying a home?


Quintessential Mortgage Group can make buying a home can be obtainable for first-time home buyers. When you buy a home, the Federal Housing Administration will guarantee a portion of your loan. As part of HUD, the FHA has insured millions of loans since 1934. By providing mortgage insurance to protect the provider in case of default. More borrowers and first-time homebuyers choose FHA mortgages when they need easy credit guidelines and qualifications, lower closing costs, and flexible and low down payment options.

How FHA Mortgage Insurance Works


The FHA program was designed to put you on the path to home ownership. In fact, according to FHA’s 2021 Annual Report, more than 84.6 percent of all FHA loan originations were for borrowers purchasing their first homes. FHA loans come in 15-year and 30-year terms with fixed interest rates. Flexible underwriting standards are designed to help give borrowers who might not qualify for private mortgages a chance to become homeowners. For good reasons many advantages make this program worth exploring: 

  • You can purchase a family primary residence or condo with a small down payment.
  •  FHA allows your seller or builder to pay a portion of your closing costs for appraisals and inspections, credit reports, and title company services.
  • You can purchase manufactured housing with an FHA loan in addition to mobile homes, whether you own the land or it’s in a mobile home park.


At Quintessential Mortgage Group, we work to offer the most flexible FHA loan options. To qualify, borrows should have a FICO score of 500 to 579 with a 10 percent down or a FICO score of 580 or higher with a 3.5 percent down. Have verifiable employment history for the last two years and have verifiable income through pay stubs, federal tax returns, and bank statements. Contact our team today and learn how we can help you with your home-buying goal. 

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Mortgage Calculator

Disclaimer: This calculator is provided for informational purposes only. It is not an indication of loans available through Quintessential mortgage Group, LLC.

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