(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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  • Fred Kreger did a great job, the email video's detailing the different steps where very insightful and unique and the team always stayed on top of and anticipated any obstacle that may have presented itself. Could not have asked for a better team and made a complicated and usually difficult undertaking fairly painless.

    Alvin
  • This was our first home buying experience, and we went into it knowing basically nothing. The home buying process is a complicated and stressful experience, but having Patti work with us helped us immensely. She explained the process in ways that were easy for us to understand and gave us a feeling of confidence throughout the experience. David
  • I can't imagine having anyone other than Patti helping us with the financing of our new home purchase. My husband and I are first time home buyers and Patti walked us through every step so that we knew exactly what was happening and why. Patti made the mortgage process so easy!
    Jennifer
    • Rhona Jukes is a pro. She knows her stuff and handles problems in her low-key style. No stress and timing was excellent. My credit union recommended her, and thank god they were right.

    Nancy
  • Fernando, Great work!
    Salvador
  • I know Patti so I had high expectations, but she still was able to surprise me with how awesome the transaction was! Sher

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