FHA Home Loans

Flexible, Affordable Financing for First-Time Buyers

FHA loans are government-insured mortgages designed to make homeownership accessible for more buyers — especially those with limited savings or lower credit scores.

At Axel Funding, we help FHA borrowers understand the benefits and structure a plan that fits their long-term goals.

✅ FHA Loan Highlights

• 3.5% down payment with minimum credit qualification

• Lower credit score requirement compared to conventional loans

• Flexible debt-to-income allowances

• Gift funds allowed (parents, relatives, etc.)

• Co-borrowers permitted

• Streamline refinance options later

🏠 Who FHA Loans Are Best For

• First-time homebuyers

• Buyers with minimal down payment

• Borrowers rebuilding credit

• Families using gift funds

• Buyers who need more flexible guidelines

💼 Property Types Allowed

• Single-family homes

• Condos (FHA-approved)

• 2–4 unit properties (live in one, rent the others)

💬 Common FHA Myths (Corrected)

❌ FHA loans are only for low income buyers
➡ Not true — many middle-income buyers choose FHA for lower rates & easier approval.

❌ FHA means higher risk
➡ FHA has strong consumer protections and predictable guidelines.

📲 Start Your FHA Pre-Approval

👉 Check FHA Eligibility

Use our secure online wizard:

🏛 Licensing

Axel Real Estate & Home Loans Inc.
NMLS #1672710 | CA License #02007515