Smiley, TX FHA Home Loans

FHA home loans continue to be a popular mortgage choice for Smiley, TX home buyers and those looking to refinance.  In fact the FHA has been helping people own homes in cities like Smiley since 1934.  Simplified 2023  guidelines include easier qualifications with low down payments.  Even better Smiley consumers can keep their down payment in the bank with the help of the Smiley, TX FHA home buyer grant.  Credit scores will play a major factor in determining if and what FHA program will be available to you.  Smiley FHA quotes are always free, get started by calling (888)416-0920.  FHA experts are standing by near Smiley, TX 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.

Mortgage Brokers offer Lower FHA Rates and Costs

When it comes to Smiley, TX FHA loans, Mortgage Brokers have more options.  Regardless of what a consumer thinks, Smiley, TX 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 Smiley FHA wholesale and retail mortgage rates call (888)416-0920.  A Smiley, TX 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 Smiley, TX can work with all types of credit scores.

Working with Top Rated FHA Specialists

The Smiley FHA Mortgage team is celebrating its 25th 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!
FHA Home Loan in Smiley, TX
Get Pre-Qualified Now

    FHA Benefits in Smiley, TX

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

    Find your FHA Mortgage near Smiley, TX (888)416-0920.

    A smiley, sometimes referred to as a smiley face, is a basic ideogram that represents a smiling face. Since the 1950s it has become part of popular culture worldwide, used either as a standalone ideogram, or as a form of communication, such as emoticons. The smiley began as two dots and a line to represent eyes and a mouth. More elaborate designs in the 1950s emerged, with noses, eyebrows, and outlines. A yellow and black design was used by New York-based radio station WMCA for its “Good Guys” campaign in the early 1960s. More yellow-and-black designs appeared in the 1960s and ’70s, including works by Franklin Loufrani and Harvey Ross Ball. Today, The Smiley Company holds many rights to the smiley ideogram and has become one of the biggest licensing companies globally.