Is an FHA Loan Right for Me?

First-time home buyers, single borrowers, individuals who don’t have *20% to put down on a conventional mortgage, or those with less than perfect credit could be good candidates for FHA loans.


About the Program

FHA loans have been helping people become homeowners since 1934. The Federal Housing Administration (FHA) does not issue or guarantee mortgages. Instead, they ensure the loans for the lender, enabling lenders to give buyers a better deal by taking on less risk.


Key Benefits 

  • Low minimum down payment, only *3.5%
  • Flexible income and credit requirement
  • Lower closing costs


How to Qualify for an FHA Loan.

The first step to obtaining an FHA mortgage is to select an FHA-approved lender to work with. Aligned Mortgage can help you with applying for an FHA home loan.


FHA Loan Limits 

There are limits to the amount of money you can borrow with an FHA mortgage. FHA loan limits are adjusted annually, and you can search to see what the current limit is in your county here.


Mortgage Insurance for FHA Loans

All FHA borrowers have to pay two mortgage insurance premiums: upfront premium and annual premium. The amounts due depend on the amount borrowed, and your lender can provide you with a breakdown of these costs.


Have More Questions, or Ready to get Started?

Have Questions About the FHA Loan? Contact Us!

Which State?

Please visit our Disclosures page for more details for all loan types.

Aligned Mortgage - Waipio
94-539 Puahi Street
Waipio, HI 96797
NMLS #1696573
Licensed in Hawaii -Texas -Oregon -California
Phone 808-677-5626

Aligned Mortgage - Hilo
99 Aupuni St STE 108
Hilo, Hawaii 96720
NMLS #1727609
Licensed in Hawaii
Phone (808) 495-0317

Aligned Mortgage - San Antonio
1027 Austin Hwy STE 101
San Antonio, TX 78209
NMLS #1695733
Licensed in Texas - California
Phone 210-874-1630

 © 2018 American Pacific Mortgage Corporation. All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity.
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Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.

Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of savings and mortgage lending, 2601 north Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at