FHA loans for Texas buyers: 3.5% down with 580+ credit, gift funds, mortgage insurance tradeoffs, and clear comparisons with conventional. NMLS #2252174.
Ebbens & Co Mortgage Group, Senior Mortgage Broker
Ebbens & Co Mortgage Group
Phone: (254) 479-2434
Email: [email protected]
NMLS# 2252174
Company NMLS# 2179191
Licensed in: TX
Ebbens & Co Mortgage Group powered by Xpert Home Lending is an Equal Housing Lender. Krissi Ebbens, NMLS #2252174. All loans are subject to credit approval, underwriting guidelines, and program availability. Terms, conditions, and interest rates are subject to change without notice. Not all borrowers will qualify. This is not a commitment to lend. Additional restrictions may apply.
FHA loans for Texas buyers: 3.5% down with 580+ credit, gift funds, mortgage insurance tradeoffs, and clear comparisons with conventional. NMLS #2252174.
Programs
FHA loans · Texas
FHA can open the door when credit is still growing or monthly debts are snug. Krissi prices the mortgage insurance, property rules, and Texas alternatives — not just celebrates 3.5% down.
Tap the signals that fit. This is a conversation starter, not a qualification result.
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Three numbers grow together: down payment, closing costs, and mortgage insurance.
Example figures are illustrative and for education — your numbers depend on price, program, county, and negotiation.
The familiar buying path, with two FHA-specific checkpoints.
The answer changes with score, debt ratio, price, and how long you expect to keep the loan.
Simplified for orientation — details like loan limits (we stay within conforming and FHA limits), DTI ceilings, and rates get worked through together.
Including the mortgage-insurance and appraisal parts the cheerful brochures skip.
We’ll compare FHA and conventional with the same home price and honest full-payment math.
Your Texas home loan specialist — VA, USDA, FHA, conventional, bank statement, and more. I’ll help you find the loan tailored to your needs.
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· NMLS Consumer Access
This is not a commitment to lend. Any rates, payment figures, or examples shown on this site are illustrative only and may not include Annual Percentage Rate (APR). Actual rates and APR vary based on credit, loan program, property, and other factors, and may change without notice. Contact us for a personalized quote.