Your Trusted Partner in the Rio Grande Valley

FHA Loans in Texas:

Making Homeownership Easier

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affordable homeownership

with FHA Loans

If you're looking to buy a home in Texas, particularly in McAllen, Mission, or Edinburg, an FHA loan could

be the key to turning your dream into reality. Backed by the Federal Housing Administration, FHA loans

are designed to help buyers with low down payments and flexible credit requirements, making

homeownership accessible and affordable.

why choose us for Fha loans in texas?

FHA loans are ideal for first-time homebuyers and anyone looking for a more accessible path to

homeownership. Here’s why:

Low Down Payment Options

Buy a home with as little as 3.5% down.

Flexible Credit Requirements

Qualify with a credit score as low as 580, or even 500 with a higher down payment.

Competitive Interest Rates

Enjoy lower APRs compared to conventional loans.

Wide Property Options

FHA loans can be used for single-family homes, condos, and even multi-family properties with up to four units.

Whether you’re exploring neighborhoods in McAllen, upgrading in Mission, or planting roots in Edinburg, FHA loans provide the financial flexibility you need to succeed.

We Speak Your Language - Literally

In the Rio Grande Valley, community matters. That’s why our team is bilingual, offering guidance

in both English and Spanish. We believe clear communication is the cornerstone of a successful

mortgage process. Whether it’s your first home or your fifth, we’re here to answer your

questions and provide support in the language you’re most comfortable with.

Texas FHA Loan

Requirements

Qualifying for an FHA loan is easier than you might think.

Here’s what you need:

Employment History

Steady employment for at least two years or consistency in the same field.

Credit Score

Minimum 580 for a 3.5% down payment or 500 with a 10% down payment.

Debt-to-Income Ratio (DTI)

Typically below 43%, but allowances up to 56.99% may be made with strong compensating factors.

Primary Residence Requirement

The property must be your primary home.

FHA Appraisal Standards

Homes must meet safety, security, and structural requirements.

If you’re buying in McAllen, Mission, or Edinburg, our local expertise ensures you meet FHA loan requirements while finding the perfect property for your needs.

special support for First-Time Homebuyers in Texas

Buying a home in Texas for the first time doesn’t have to be intimidating. We offer:

Personalized Guidance

From understanding your budget to navigating paperwork, we’re here every step of the way.

Down Payment Assistance

Discover programs that help you achieve homeownership without breaking your budget.

Bilingual Support

Whether in English or Spanish, we ensure you fully understand the process.

FHA Loan Limits in Texas

FHA loan limits vary by county and property type. For

2023, the limits include:

$472,030 for single-family homes in most areas.

Higher limits for multi-family homes or properties in high-cost regions.

These limits make FHA loans an excellent option for buyers across Texas, especially in thriving communities like McAllen, Mission, and Edinburg.

FHA Loans vs. Conventional Loans

FHA loans offer distinct advantages over

conventional mortgages:

Lower Credit Score Requirements: FHA loans are more forgiving for those with less-than-perfect credit.

Smaller Down Payment: A 3.5% down payment makes homeownership achievable sooner.

More Lenient DTI Ratios: Flexibility to accommodate higher debt levels.

FHA Loan Programs in Texas

FHA loans offer more than just standard home purchases. Explore additional programs to meet your unique needs:

FHA Streamline Refinance: Lower your interest rate with minimal paperwork.

203(k) Loans: Combine home purchase and renovation costs into one loan.

Energy-Efficient Mortgages: Finance eco-friendly home improvements.

Reverse Mortgages: Access cash based on your home’s equity (for homeowners 62+).

Your First Steps Toward Homeownership

Get Pre-Approved

Start with a quick pre-approval process to determine how much home you can afford. This step sets the foundation for your home search.

Explore Loan Options

Our experts will help you find the perfect loan program tailored to your financial needs and homeownership goals.

Close with Confidence

Once you’ve chosen your dream home, we’ll guide you through the closing process, ensuring every detail is handled with care.

ready to START
Your FHA Loan Journey?

With Movement Mortgage RGV, owning your dream home is closer than you think. Let us

help you secure an FHA loan that fits your needs.

Call us today at (956) 201-8189

Apply Online Now – Quick, easy, and secure.

Learn More about FHA loan options and find the right program for you.

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Affordable Homeownership Starts Here

Whether you're buying your first home or upgrading to a new one, FHA loans are a smart,

affordable option. Start your journey today with Movement Mortgage RGV—your trusted partner

in McAllen, Mission, and Edinburg.

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MORTGAGES THAT MEAN MORE

8024 Calvin Hall Road, Indian Land, SC 29707 Movement Mortgage, LLC

Equal Housing Opportunity

www.nmlsconsumeraccess.org). Additional information available at movement.com/legal. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.