FHA Financing Loans
Build Your Dream Home
Lower barriers, flexible qualifications — a smarter path to homeownership.
What Is an FHA Loan?
An FHA loan is a government-backed mortgage insured by the Federal Housing Administration. Designed to help more Americans achieve homeownership, FHA loans offer more flexible credit and down payment requirements than conventional financing.
At Keystone Lending, we specialize in helping buyers who may not qualify for a conventional loan find the right FHA program and navigate the process with confidence. If you’ve been told ‘no’ before, we encourage you to reach out — you may be closer to homeownership than you think.
Lower Credit Score
Scores as low as 550 may qualify.
Lower Down Payment
As little as 3.5% down required.
Flexible Income
Gift funds and various income sources accepted.
Key Benefits
Low Down Payment
Purchase a home with as little as 3.5% down, making entry into homeownership far more achievable.
Flexible Credit Standards
Credit scores starting at 550 may qualify, giving more buyers a fair shot.
Seller Contributions
Sellers can contribute up to 6% of the sale price toward closing costs.
Gift Funds Allowed
Down payment funds can come from family, employers, or approved gift sources.
Competitive Rates
FHA loans offer government-backed security, which often translates to attractive interest rates.
Streamline Refinance
Existing FHA borrowers can refinance quickly with minimal documentation.
Loan Options Available
FHA Loan Options Available
FHA Purchase Loans
Perfect for first-time buyers and those with limited down payment savings.
FHA Refinance Loans
Lower your rate or access equity with streamlined FHA refinance options.
FHA 203(k) Rehab Loan
Finance both the purchase and renovation of a property in one loan.
Who is This Best For?
First-time homebuyers with limited savings
Buyers with credit scores between 550–679
Borrowers rebuilding credit after financial hardship
Those who need seller or gift fund assistance for closing costs
Buyers purchasing a primary residence in any eligible location
Existing homeowners looking to refinance into a lower rate
Requirements Overview
Credit Score
550 or Higher
Down Payment
3.5% (580+) or 10% (550–579)
Debt-to-Income Ratio
Up to 50% with Compensating Factors
Property Type
Primary Residence Only
Why Choose Keystone Lending?
Speed & Efficiency
Same-day pre-approvals and extremely fast clear-to-close times so you never miss an opportunity.
Personalized Care
Direct access to Curtis Norman and a team dedicated to your specific financial picture.
Competitive Rates
We shop the market and bring you the lowest available rate for your unique situation.
Transparent Process
No hidden fees, no surprises — clear communication with you at every single step.
Find Out If an FHA Loan Is Right for You
ADDRESS
1467 Hunter Lane, Clearwater, FL 33764
PHONE
(727) 383-6682
angelitawnorman@gmail.com
