Pacific Keys Mortgage Corporation ID # 02046882 | CBRE # 01250934 | NMLS # 1082044

Pacific Keys Mortgage

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FHA Loans


When you’re on the hunt for a new house, there are a lot of variables to consider. Many prospective first-time home buyers fall into the belief that they need stellar credit and a significant amount of money saved up to make a down payment. Rest assured--you have options that can make your dream a reality. At Pacific Key Mortgage, we are committed to helping people attain their home ownership goals. We are an authorized servicer for the FHA loan in Huntington Beach, CA.

The housing market can be fiercely competitive. Have confidence knowing that we can help you attain the resources and support you need to close the deal on a Huntington Beach mortgage. Thanks to our extensive training, experience, and knowledge of home financing, we make the home buying process simpler.

About the FHA Loan Program

The FHA loan is a mortgage option that was established by the federal government. The Federal Housing Administration, a unit within the Department of Housing and Urban Development, insures the loan. It is a powerful tool that gives lenders confidence while offering home buyers an opportunity to own real estate.

An FHA-backed loan is a great financing option for first-time home buyers, thanks to two distinct features of the program. First, the credit score requirements for this loan are lower than most private mortgages. Potential borrowers with less-than-perfect credit histories have a chance to finance their real estate prospects through this program.

Second, the down payment for a house under FHA is also lower. Borrowers can take advantage of a down payment as low as 3.5% of the purchase price of the property. In turn, the upfront costs of buying are more manageable, which makes housing more accessible.

The FHA loan can be used for more than buying a property, too. Current homeowners may qualify for this program if they are planning renovation projects to make a property more energy efficient. Senior citizens may also apply for an FHA-backed reverse mortgage to convert their equity into cash.

Helping You Navigate Federal Housing Assistance

Save time and energy while turning those home ownership dreams into a reality: we’re with you every step of the way. Our mortgage company in Huntington Beach is a proud servicer for the FHA program. With us at your side, claiming your real estate prospects is a stress-free experience.

As your lender, we are committed to helping you succeed and have a fair opportunity to own a home. To that end, we will help you find the right home loans to meet your needs. In addition to loans, our team provides personalized mortgage advice. We empower you with the knowledge and tools you need to set goals--and attain them. Hands down, we make home ownership a viable prospect.

Contact us to request a consultation for an FHA loan. Our mortgage company proudly serves home buyers throughout California and Florida.