FHA Home Loans
in California

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FHA Mortgage Broker in Los Angeles

If you want to buy a home but don’t have 20% to put down, or your credit history isn’t perfect, then an FHA home loan is for you. This is the most accessible type of loan that you can qualify for, which combines a low down payment and relatively easy qualifying standards. FHA mortgage loans are perfect for those who are not approved with conventional lenders, and this type of loan has a few appealing features.

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What is an FHA Loan?

FHA stands for the Federal Housing Administration. This is a Government agency that was created in 1934 to increase homeownership in the USA. FHA doesn’t issue the loans; instead, it provides security and mortgage insurance to lenders: if you are not able to repay your loan, the FHA will do it.

Because of the governmental guarantee lenders are more willing to make rather large mortgage loans in cases when otherwise they would be unwilling to do so, for example to buyers with a bad credit history. The Federal Housing Administration is the largest insurer of mortgages globally. Today, one out of two loans in the US is an FHA loan.

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Hours: Monday-Friday 10:00 AM - 5:00 PM

In-Person at LA Office

13317 Ventura Blvd #H, Sherman Oaks, CA 91423



M-F 10 AM-5 PM (PST)


E-mail: contact@idmortgagebroker.com

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Benefits of FHA Mortgage Loans

Looking to purchase a house in Los Angeles, or anywhere in California but can’t apply for a traditional mortgage? FHA loan is an excellent option. The guidelines and requirements for an FHA mortgage are much more lenient: low FICO score and small down payment are OK.

Perfect for the First Time Home Buyers

This is an ideal mortgage loan for first time home buyers. These loans are popular among first-time buyers because of low down payments and flexible qualifying guidelines.

Low Interest Rates

FHA loans have lower interest rates. This happens because the lender takes less risk.

Finances for Home Repairs

Need some extra funds to make repairs in the house? The FHA has a special loan for that. It is not based on the current value of the home but instead on the projected one.


Gift Fund as a Downpayment

You can use a gift fund as a 100% of a down payment on your house (for primary residences only).

Requirements for Getting an FHA Loan

To qualify for a loan with a 10% down payment, your credit score must be at least 500. However, it is better to have a credit score of 580. In this case, the borrower is required to have just 3.5% down payment. Typically, mortgages require no less than a 5% down payment and can even be as high as 20%. In some cases, lenders can set limits that are more restrictive than the requirement of the FHA.

No minimum income is required. You just need income to prove that you can repay the loan. Generally, FHA mortgage loans are geared toward low-income borrowers.
A steady employment history (at least two years), valid Social Security number and lawful residency in the USA.
Reasonable debt-to-income ratios. It is best to have it lower than 31/43, but sometimes you can get approved with up to 50% debt-to-income ratio.
Your record of bankruptcy must be at least more than two years ago.

FHA Home Loan Process

4 Easy Steps to Your Dream

Step 1


Talk to Us to Know Your Options


Step 2

Start a Loan Program

Enjoy a Home Shopping Experience

Step 3


Get a Loan Approval on the Terms You Want

step 4


Enjoy Your Homeownership

How to Apply for an FHA Loan in California?

We will gladly assist you and help to get qualified for this type of home loan. The following information is required to be prequalified:

  1. Your current address and Social Security number;
  2. Employment history for the past two years;
  3. 2 most recent Bank statements;
  4. 2 Most recent years of W2’s forms;
  5. 2 Most recent years of Federal tax returns.


Languages:  ENGRUS


13317 Ventura Blvd #H,

Sherman Oaks, CA 91423

Phone: 323-741-5858

Hours: M-F 10:00 AM – 5:00 PM


Equal Housing Lender