FHA Loans & Refinancing

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FHA Loans & Refinancing

FHA home loans are mortgages insured and backed by the Federal Housing Administration. Because of this, FHA-approved lenders extend home financing to buyers who may be unable to qualify for a conventional home loan.

The FHA does not issue mortgages, but the agency provides insurance on mortgage payments, so more borrowers are able to get home financing.

Get Your Dream Home!​

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FHA loans offer low rates, low down payment options & flexible guidelines

There are many types of FHA Home Loans, and Castille Mortgage can help you find the best choice for your home. The requirements can vary, but there are low rates, low down payment options and flexible lending guidelines.

We are experts in finding the program that will fit your needs.

  • Low down-payment – The minimum is 3.5 percent of the purchase price. Mortgage insurance is required. For first-time home buyers and those with lower savings to put down, an FHA Loan can be a great option.
  • Lower credit scores – The minimum is 550. FHA loans allow more people to achieve home ownership by allowing borrowers with no credit history, or who have less than perfect credit, or who may have had some financial missteps in their past, such as a foreclosure or bankruptcy, to qualify for a mortgage.
  • Highest dept-to-income allowance.
  • 100 percent financing options.
  • 100 percent gift funds are allowed toward the down payment and closing costs.
  • Fixed-rate and adjustable rate mortgages (ARM) are available.
  • Flexible qualification guidelines.
  • Other requirements and conditions apply.
castille has you covered

FHA loans gives more borrowers access to financing

These loans were originally designed to make home ownership more affordable, and the program was created for borrowers with less than perfect credit. They are increasingly popular with a wide group of borrowers, and Castille Mortgage has utilized FHA loans for many people in Louisiana. 

Castille Mortgage can secure an FHA home loan for borrowers with a credit score of 550. 

An FHA Loan can be a great option for you in many circumstances, and these low-interest rate home loans have proven to be the right choice for many buyers today. The benefits include:

  • You are a first-time homebuyer, or
  • You have a lower credit score (550 and above)
  • You seek a low down-payment
  • You aim to refinance a current high-cost mortgage. FHA Loans have simplified refinancing because there is no credit qualifying, income verification and no appraisal required.

See our Reviews!​

Jeremy was a pleasure to work with...very professional and got us closed in 12 days!!! Thank you so much

Stephen-Helena Smith
April 8, 2019

I've known Jeremy for a decade and can say he's a genuine, trustworthy, and hard working guy.

Matthew Thomas
April 3, 2019

My fiance & I were in the market for our first home when a friend mentioned Jeremy & Castille Mortgage as a possible loan officer. I had contacted him & he immediately began working on my file to get me pre-approved for a home. After a few potential homes fell through we finally found the home that we wanted & made the offer. Jeremy worked with us & explained every little detail to remove any doubt of questions or concerns. He even answered his phone & emails while on vacation! Jeremy went above and beyond by presenting several options to us in regards to the financing types & other methods of the downpayment/closing costs so we would not have to come out of pocket too much. We will definitely recommend him to our family & friends; and will use him again for any other future property purchases.

Mikey Bui
April 11, 2019

Jeremy worked really hard for us. He answered all of our questions promptly. It didn't matter what day of the week or time of the day it was he was there to help. He was true to his word. Everything he said that would happen in regards to cost and time was exact. He is very friendly and instantly felt like a life long friend.

Brandie Norris
October 17, 2018

I couldn’t be more pleased with the service I got. He helped me buy my first home and walked me through every step. If I ever have to buy another home I will only call him for all my Morgage needs! Highly recommended to new home buyers!!

Hunter
April 3, 2019

Jeremy is great. We were able to get our loan reviewed and processed within a month. The process was so quick and easy that we are currently working with him for a second approval process. Thank you so much Jeremy!

Pham
March 25, 2019

Get Your Dream Home!

CALL JEREMY NOW FOR A FREE CONSULTATION