FHA Loans allow for lower credit scores, less of a downpayment, and some unique circumstances.

  • calendar with money Low Monthly Payment
  • credit monitor Low Credit Score
  • handshake Easy Approval


  • Low down payment
  • Credit scores below 620
  • Easier qualifying



male with glasses standing in home

Adam is a first-time homebuyer and has some credit issues from his college days, a couple defaulted credit cards and a few students loans that are just now getting caught up. Adam would like to buy a house, but has limited cash for his down payment.

The Problem

Adam’s realtor referred him to their in-house mortgage company who told him that he needed at least 640 credit score to get FHA financing. They advised him that he should continue to work on his credit, although he found the perfect bungalow in Seminole Heights.

Our Approach

Although Adam has a 584 credit score, his last 12 months of rent payments have been made on-time, he has a good job history, and has just enough for a down payment under FHA Guidelines of 3.5% down.


After a 20-minute phone call with My Easy Mortgage, Adam was issued a pre-approval letter and was able to make an offer on his bungalow dream home near all of his favorite bars and restaurants.

Interested in Applying?

If you have any questions, please call us at (813) 513-9846

* Indicates Required Fields

All loans funded through wholesales relationships. My Easy Mortgage, LLC is a mortgage broker. Interest rates and other program specifics could change at any time and are subject to your ability to qualify for this program. There are no guarantees that will qualify for this program.