For whom
Citizens and permanent residents buying their first home. Credit still being built or with a few bumps, and more room between what you earn and what you owe than with a conventional loan.
What it is
A loan insured by the FHA, a federal government agency. It asks for a smaller down payment and is more flexible with your credit history than a conventional loan. IWM is a private broker: we are not part of the government and do not speak for it.
Watch out for
According to HUD, for FHA cases opened on or after May 25, 2025, FHA no longer accepts non-permanent residents. If you have a work permit (EAD) but no residency, your path may be a conventional loan, and it does exist.
FHA mortgage insurance can last for the life of the loan, depending on your down payment. Many people remove it later by refinancing, if they qualify.
The next step
Add this program to your list and leave your name, phone, and email, or call us at (813) 513-9835. A broker licensed in Florida and Texas reviews your case at no cost. We never ask for a credit card.
Infinity Wholesale Mortgages, LLC · NMLS #2420223 · Adrian Colin, MLO NMLS #1684240 · Subject to credit approval. Educational information only; not a commitment to lend. Equal Housing Opportunity.
