Understanding An
FHA Home Loan
A Home Loan With More Flexibility!
Settle into your dream home with a mortgage that offers more flexible qualifying guidelines. Insured by the federal government through the Federal Housing Administration (FHA), an FHA home loan is a mortgage that provides an easier path to homeownership. Borrowers benefit from less stringent loan qualifications because the FHA insures the loan. FHA loans can be a good fit for first-time homebuyers and those with low to mid-incomes and credit scores. Lower down payment requirements are an additional benefit of an FHA loan.
AmeriHome offers FHA Fixed-Rate mortgages with your personal goals in mind. 10 to 30-year options ensure your home loan matches your monthly budget needs.
FHA Home Loan Benefits:
- Easier credit qualifications
- Get started with a down payment as low as 3.5%
- Higher debt to income ratio flexibility
- Cash-out refinance available up to 80% of home value
- Rate and term refinance available up to 97.75% home value
- FHA Streamline Refinance, a simple loan process that can save you money and time* Learn More
To get your personal consultation, contact one of our Home Loan Experts at 855.368.3291.
Ready To
Refinance Or Buy A Home?
Refinancing Your FHA Loan
If you currently have an FHA loan, take advantage of an easy way to save with the simplified loan process of an FHA Streamline Refinance. Be sure to contact one of our Home Loan Experts to see if you qualify.
Buying A Home
Are you in the market to purchase a new home? Contact one of our Home Loan Experts to get pre-qualified in minutes and pre-approved the next business day so you can shop with confidence.
See What Other Customers Are Saying…
Their communication & timely responses really helped me out
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Working with AmeriHome Mortgage, specifically Kris & Marie, to go through my home refi was amazing overall. Their communication & timely responses really helped me out when I had any questions & they ensured to get me the very best numbers this crazy market can offer. I highly recommend this company & you should request Kris as your loan officer & Marie as your loan processor!
~ Tyler T.
They handled everything so professionally
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Kenneth Ornelas and Philip Simon made the process of refinancing our home very easy. They answered our emails so quickly and were always available to answer any questions. This was such an easy and smooth process. They handled everything so professionally, from start to finish. If we could rate them 10 stars, we would. That’s how happy we were with this entire process! We would highly recommend them.
~ Leslie P.
The process was painless on our end
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Ryan King and Amy Yang were extremely helpful during our refinance process. Ryan was able to come up with quick solutions and helped us save a lot of money! The process was painless on our end, and Ryan and Amy were so flexible with both of our busy schedules. We are so grateful for this experience and will be using them in the future.
~ Meghan B.
All reviews are sourced from TrustPilot.
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Do You Have Questions?
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Contact your Home Loan Expert to review the financing
options available to you.
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*By refinancing, your total finance charge could be higher over the life of the loan.
©2026 AmeriHome Mortgage Company, LLC, A Western Alliance Bank Company. Branch Office located at 17885 Von Karman Avenue, Suite 100, Irvine, CA 92614. NMLS #135776; AZ d/b/a AmeriHome Funding, LLC #0917700; California Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act #4131116; Licensed by the N.J. Department of Banking and Insurance; Rhode Island Licensed Lender. For licensing information, go to: www.nmlsconsumeraccess.org. Equal Housing Lender.