Locate A Branch
(215) 501-4159
What is an FHA Loan?
An FHA loan is a government-backed mortgage designed to help buyers qualify with lower credit scores and smaller down payments.
Minimum 3.5% down payment
Flexible credit guidelines
Higher debt-to-income tolerance
Seller assistance allowed
Gift funds allowed
24/7 Support
FHA Loan Key Highlights
Discover why FHA loans are the preferred choice for first-time homebuyers
Low Down Payment
As low as 3.5%
Flexible Credit
Designed for buyers with moderate credit
Higher DTI Allowed
More flexible qualification ratios
First-Time Buyer Friendly
Popular choice for new homebuyers
Your Path to Homeownership
Two powerful programs to help you achieve your dream
FHA Loan Program
Primary residence financing
Competitive interest rates
Easier approval guidelines
Government insured loan program
Down Payment Assistance & Grants
Grants that may not require repayment
Forgivable second loans
Deferred payment programs
Assistance for closing costs
Combine FHA + Down Payment Assistance
Many homebuyers combine FHA financing with down payment assistance programs to reduce the amount of money needed to buy a home.
FHA Loan
Down Payment Assistance
Lower Cash Needed to Buy a Home
Start your homeownership journey with less upfront cost
Who Should Consider FHA Loans?
FHA loans are designed to help a wide range of homebuyers achieve their dream of homeownership.
First-time homebuyers
Perfect entry point into homeownership
Buyers with moderate credit scores
More flexible credit requirements
Borrowers needing flexible approval
Higher debt-to-income ratios accepted
Buyers with limited down payment savings
Only 3.5% down payment required
Why Work With Raksha Mortgage Inc.?
Experience, expertise, and dedication to your homeownership goals
Local Mortgage Experts
Licensed Mortgage Company
Fast Pre-Approvals
Quick approval letters
Experienced FHA Guidance
Help navigating FHA guidelines
​Help Finding Grant Programs
Support locating available assistance programs