FHA Loans for Flexibility!

Need flexible credit guidelines? Get a FREE quote on an FHA Loan.

The Lowdown on FHA Loans...

Our FHA Loan Rates Are Competitive & Our Process is Quick & Painless

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.

We’re here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor. Please note, Rock Rates is not affiliated with or acting on behalf of or at the direction of FHA, VA, USDA, or the Federal Government.

Explore Your FHA Loan Options

Here’s all you need to do:

  • Complete our simple FHA Loan Qualifier
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Why an FHA Loan?

Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment (3.5%) and you can have less-than-perfect credit. Borrowers who cannot afford a traditional down payment of 20% or can’t get approved for private mortgage insurance should look into FHA loans.

  • Fixed Rates
  • 3.5% Down Payments
  • Lower Credit Scores Allowed
  • Great for First Time Home Buyers