FHA Loans - RWM Home Loans
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FHA Loans

FHA loans are insured by the Federal Housing Administration, a department of the Federal government. Anyone can apply for a FHA home loan and the program is very popular with borrowers trying to purchase a home with little down payment or need a co-signor to help qualify.

 FHA Home Loan Highlights                                                                                Lets Get Started!
  • 3.5% down payment on purchase loans. (May all be gift funds)
  • Make sense underwriting and generous debt ratios
  • Non-occupant co-borrowers allowed to help qualify
  • 100% gift funds allowed.
  • Cash out refinance loans to 85% LTV
  • Rate and term refinance loans to 97.75% LTV
  • Streamline FHA loans without appraisal
  • 30 year Fixed Rate loans
  • Loan amounts to $649,750 in San Diego
  • Loan amounts to $679,650 in Orange & Los Angeles County

FHA Home Loan Purchase

FHA loan programs are designed to help all borrowers purchase a home with minimal down payment and closing costs. Family co-borrowers can be added to help qualify and the underwriting guidelines are make sense and realistic. Anyone can apply.

First Step: Getting pre-approved….it’s fast and easy! Simply call our toll free number and speak to a FHA home loan expert. We will quickly determine your maximum purchase price and get you on the road to homeownership!

FHA Streamline Refinance Without Appraisal (FHA to FHA)
This unique FHA program allows borrowers who have an existing FHA loan on their personal residence to simply refinance it to obtain a lower interest rate and lower payments. No appraisal is required.

Second Homes & Non-owner occupied streamline without appraisal: Allowed if the borrower can show proof of prior owner occupancy of the subject property.

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  • Pre-approvals over the phone
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Why Choose the GLC?
  • Your loan is important to us
  • Wholesale rates & savings to you on every loan
  • Close in 30 days or less
  • Serving you since 1994

FHA Cash Out Refinance

Maximum 85% loan to value based on appraisal. Borrower may pay off any existing property liens and obtain cash back for any reason such as home improvement, college expenses, or investment.

FHA Rate and Term Refinance

Maximum 97.75% loan to value based on appraisal. Borrower may pay off any existing property lien and obtain zero cash back.

Why Choose RWM & The Government Loan Center
The Government Loan Center is an industry leader in originating, processing, and underwriting FHA home loans. Our mortgage banking corporation is based in San Diego, CA, and we lend statewide.

Our FHA loan experts are dedicated to making your loan process simple and are available to take your loan application, answer all questions, offer advice, and provide timely loan status. Our mission is to help all borrowers take advantage of this wonderful loan program. Are you considering purchasing a home with limited down payment, or refinancing your existing loan? Please call us today. We look forward to helping you.

The FHA home loan program has never been easier to qualify and close your loan with low rates and minimal closing costs. Let's get started now!
Call 1-800-708-4618 and ask for a FHA home loan expert.

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