FHA Home Loan Rail Road Flat, CA | Find Mortgage Brokers Near Rail Road Flat, California

Rail Road Flat, CA FHA Home Loans

FHA home loans continue to be a popular mortgage choice for Rail Road Flat, California home buyers and those looking to refinance. In fact the FHA has been helping people own homes in cities like Rail Road Flat since 1934. Simplified 2024 guidelines include easier qualifications with low down payments. Even better Rail Road Flat consumers can keep their down payment in the bank with the help of the Rail Road Flat, CA FHA home buyer grant. Credit scores will play a major factor in determining if and what FHA program will be available to you.

Rail Road Flat FHA quotes are always free, get started by calling (888)416-0920. FHA experts are standing by near Rail Road Flat, CA and ready to help. Connect with a licensed home FHA specialist, ask questions and find out if you qualify.

560 FICO – 10% Down
580 FICO – 3.5% Down – Call to Check Grant Eligibility
620 FICO – Eligible for Forgivable Grant for Down Payment or 3.5% Down.
Gift funds can be used on FHA transactions if needed.

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Mortgage Brokers offer Lower FHA Rates and Costs

When it comes to Rail Road Flat, CA FHA loans, Mortgage Brokers have more options. Regardless of what a consumer thinks, Rail Road Flat, CA Mortgage Brokers offer a wholesale rate and lower costs. Going directly to the bank or a mortgage lender is not a better option. If you are in doubt, it is always a good idea to get a couple of quotes and compare them. If you still don’t understand the difference between Rail Road Flat FHA wholesale and retail mortgage rates call (888)416-0920. A Rail Road Flat, CA Mortgage Broker will be able to offer you more programs. Banks and Lenders have set mortgage guidelines including set credit score limits. Mortgage Brokers in Rail Road Flat, CA can work with all types of credit scores.

Working with Top Rated FHA Specialists

The Rail Road Flat FHA Mortgage team is celebrating its 26th year in business. Our experience allows for consumer mortgage confidence especially with our FHA wholesale rate option. We navigate consumers through the mortgage process, explain options and find what choice works best for you. We specialize in more than just refinancing mortgage loans. Check out consumer first time homebuyer programs, USDA home loans, VA home loans and our customer reviews.

Get on the Path to Refinancing. We got your Back!

My wife and I had the pleasure of being assigned to Ryan Sr. Loan Officer. He was polite, patient, professional and most importantly prepared throughout whole process. Ryan crunched numbers with impressive accuracy, explained documents line by line when we had questions and let us know what to expect so there wouldn’t be any surprises. Ryan is very knowledgeable and had no problem answering questions and sharing very important details which made us feel good about picking Smart Mortgage. Thank you Ryan for all your help and advice.

Frank & Anna

We applied with other lenders but had been turned down, but Smart mortgage worked with us so we can have our dream home! Our lender Jon, walked us through the process and was very helpful in answering questions promptly. He made the process easy for us. Jon always kept in daily communication with us, so there were no surprises! He made himself available anytime…..even when he was on vacation! The online submission of documents was very easy. Overall we think Smart Mortgage is an excellent company willing to work with people with blemished credit and give them the opportunity to live their dream of home ownership.

Wesley C

We worked with Brian who picked up our loan after our original broker quit working with us. I’ve never seen a more determined, hard working, and dedicated broker in action! Brian was amazing! We could write a book about our experience, bottom line… I wouldn’t work with anyone else or refer to anyone else. He gets it done!

Desi M

I highly recommend working with Jon for a home loan product. He handled our jumbo loan with the highest integrity and detail. In particular, he helped navigate the legal details associated with our land trust. Our experience was exceptional and will work with Jon in the future.

Erik H

I highly recommend choosing Brian as your Mortgage guy to make sure you get the house you want. He will make sure everything is done and not only in a timely manner but it gets done correctly. Your closing will go so smooth and there are no surprises with Him! He will be with you from beginning till the End! You will not be disappointed with his service!

Annie P

Anthony exceeded our expectations in all aspects,going above and beyond he kept us in the loop throughout the whole process and in finding us ways to keep our final expenses as low as possible I feel we got the best deal we could have. We are very happy with our choice.

Debbie S

Anthony was great to work with and was very thorough with explaining the whole process. He was a huge help with any questions we had. Will definitely recommend to friends and family.

Sergio V

Worked with Jon on a refi and it was terrific. My situation was a little bit complicated based on a few moving parts, however, the process went very smooth and all my options were clearly explained as we went along. I’m very pleased with the outcome.

John C

Very impressed. Jon walked me thru a difficult refi of 2 properties simultaneously. Always a quick response to any of my concerns. Would definitely recommend working with them.

Sue S

The very first time I spoke with Patty on the phone, I knew I would work with her to find my mortgage. Patty has a calm and confident approach to her work that illustrates her knowledge of the industry, The counsel she provided helped position me in a favorable position to buy my dream home. I would definitely recommend Patty to family and friends, and look to work with her again in the future.

Chris C

FHA Home Loan in Rail Road Flat, CA

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FHA Benefits in Rail Road Flat, CA

Lower Rates
Lower Payments
Fixed Payments
Easier Qualifications
FHA Grants for Down Payment
Gift Funds Allowed

Find your FHA Mortgage near Rail Road Flat, CA (888)416-0920.

Rail Road Flat (formerly, Independence Flat[2] and Railroad Flat) is a census-designated place (CDP) in Calaveras County, California, United States. The population was 475 at the 2010 census, down from 549 at the 2000 census.

This historic mining town, elevation 2,600 feet (788 m), was named after primitive mule-drawn ore cars used here. There was never actually a railroad here. The town was established in 1849. It was the site of an Indian council as well as the center of rich placer and quartz mining. Its largest producer was the Petticoat Mine. The post office was established in 1857, closed in 1858, and re-established in 1869[2] and the Edwin Taylor store built in 1867. The town’s population was decimated in 1880 by black fever.

Rail Road Flat, CA FHA Home Loans

Mortgage Brokers offer Lower FHA Rates and Costs

Working with Top Rated FHA Specialists

Get on the Path to Refinancing. We got your Back!

FHA Home Loan in Rail Road Flat, CA

Get Pre-Qualified Now

FHA Benefits in Rail Road Flat, CA

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