FHA Home Loans

An FHA Home Loan is our most flexible mortgage product.  It's a great first home option as the Federal Housing Administration makes homeownership possible for a broader range of buyers.  Aside from no income limits or location restrictions, our FHA loan also features:

  • 96.5% maximum loan to value financing
  • Upfront mortgage insurance required as well as a monthly amount for term of loan
  • Expanded qualifying ratios and flexible credit guidelines
  • Maximum loan amounts apply
  • Can be used for purchases and refinance
  • Minimum credit score of 620

Choosing the right home loan can be a bit overwhelming and confusing.  That's why we have mortgage experts available for free one-on-one consultations.  Essential is here from the beginning to end in the homebuying process.  Call us at 888.369.2207phone icon and let us get you moving!

Mortgage Loan FAQ

To Apply, get pre-approved or check rates, email  mortgageoriginators@essentialfcu.org or call us at 888.369.2207phone icon.

Please note: A Credit Report fee will be assessed to all applications. This fee will be deducted from the total costs of your loan, if approved.
*Normal credit restrictions apply. Other restrictions may apply, please see a Essential FCU Representative for details.