(661) 284-1150 | 28368 Constellation Road | Suite 398 | Santa Clarita, CA 91355

FHA Loans

What is an FHA Loan?

FHA loans are insured by the Federal Housing Administration so that lenders like American Family Funding can get you better pricing.

There are many cases where FHA loans can be an opportunity, particularly for first-time homebuyers or those looking to buy a fixer-upper. The goal of the Federal Housing Administration and American Family Funding is to facilitate home ownership, and sometimes FHA loans are just the tool.

To qualify for an FHA loan, you’ll need to have reasonable debt to income ratios. In general, you have to be better than 29/41, but some programs allow up to 55%. In addition, you have to have decent credit. You don’t need wonderful credit to get an FHA loan. Call us today and we’ll help you find out more about qualification.



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on Home Loans, Refinancing, or Reverse Mortgages


  • Fred: We are very pleased with the complete services you and your Staff have provided in our purchase of three condos in the past six years. Thanks. Bruce
  • Besides his knowledge and professionalism, we really appreciated Fred Arnold's  guidance, advice and support as we were trying to re-fi two residences at the best rate.

  • Vytas was prompt in meeting his appointments and honest. He didn't give us any run around, his service was great.

  • <p> I could not be happier with the service we received from Tom. He helped us with every aspect of the home buying process. </p> <p> Thomas </p>
  • I have used Vytas for refinance twice, and to purchase a new home once. We keep going back to him because we get good rates, and the service is great. He even closed our out of area new home purchase early (less than a month). He made it very easy to get all paperwork done via PDF files without having to make a trip to his office.
  • Patti Handy was knowledgable and personable with an impressive way of explaining the confusing world of loans. Kenneth

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