BUY YOUR HOME WITH JUST 3.5% DOWN.
FHA financing makes homeownership real for millions of buyers every year. Flexible credit. Competitive rates. A path forward — even when you've been told no before.
Takes 2 minutes · No credit impact · No obligation
THE SMART CHOICE FOR SMART BUYERS.
FHA isn't a fallback — it's a strategy. Every year, millions of buyers choose FHA financing because the math works better. Lower down payments, more flexible credit guidelines, and rates that compete head-to-head with conventional loans. If you want to keep more cash in your pocket and close on the home you actually want, FHA deserves a serious look.
DOWN PAYMENT
Put down a fraction of what conventional loans require. On a $300K home, that's $10,500 instead of $60,000.
CREDIT FRIENDLY
FHA's credit guidelines are designed for real life. Past credit bumps don't have to define your future as a homeowner.
GIFT FUNDS OK
Your entire down payment can come from a family member as a gift. No need to spend years saving alone.
COMPETITIVE RATES
FHA rates often match or beat conventional. The government backing means lenders take less risk — and you save.
SEE WHAT YOU QUALIFY FOR — IN UNDER 2 MINUTES.
No credit impact. No commitment. Just clear answers.
FOUR STEPS. ONE KEY.
From first conversation to handing you the keys — here's exactly how it works.
PRE-QUALIFY
Quick 2-minute form tells us your income, credit range, and goals. We tell you what's possible — same day.
PRE-APPROVE
Verified pre-approval letter in hand. Now you shop with real buying power — sellers take you seriously.
UNDER CONTRACT
Found the one? We move fast. Appraisal, underwriting, and final approval — all coordinated by my team.
CLOSE & MOVE IN
Signing day. Keys in your hand. Welcome home — and you've got my number for life after closing too.
25 YEARS. THOUSANDS OF KEYS HANDED OVER.
A personal message about your home buying journey
Angeline Kelly · Union Home Mortgage
SEE WHAT YOU CAN AFFORD.
Plug in your numbers. See your estimated payment instantly. No commitment, no contact info required to play.
THEY GOT THE KEYS. YOU'RE NEXT.
"Two lenders told us we needed to wait another year and rebuild our credit. Angeline ran the FHA numbers, found a path, and we closed on our home in Lawrenceville six weeks later. She didn't just process a loan — she changed our life."
"I qualified for conventional but Angeline ran both scenarios side-by-side and showed me FHA actually saved me $14K upfront. I kept that cash for renovations on our place in Suwanee. Her advice was honest — not just whatever closed faster."
"My credit was a 612 after a rough patch. Three loan officers ghosted me. Angeline picked up the phone, walked me through FHA options, and we closed in 32 days. I cried at the closing table. Twenty-five years of experience really shows."
ANGELINE KELLY
Originally from the Southern Alabama landscape, I'm now firmly planted in Georgia with more than 25 years of experience as a residential Loan Consultant. In that time, I've walked thousands of buyers — first-timers, move-ups, FHA, VA, conventional — across the closing table.
FHA is one of my specialties because it's one of the most powerful tools available to buyers who need flexibility. I don't believe in cookie-cutter advice. I run real numbers, give you honest options, and tell you what I'd do if it were my family.
When I'm not working diligently for you, you'll find me with my family on the water, at a sporting event, or on the tennis courts. Come Monday — I'm right back to work for you.
Personal attention · Honest advice · 2-minute start
STRAIGHT ANSWERS, NO JARGON.
Do I have to be a first-time buyer to get an FHA loan?
No — not at all. FHA loans are available to repeat buyers too. You just can't have an existing FHA loan on another primary residence at the same time. Many move-up and even seasoned buyers choose FHA because the down payment requirement keeps more cash in their pocket for moving costs, renovations, or reserves.
What credit score do I need for an FHA loan?
FHA guidelines allow scores as low as 580 with a 3.5% down payment. Scores between 500-579 may qualify with a 10% down payment. That said, your full picture matters — income stability, debt-to-income ratio, and recent credit history all factor in. Send me your scenario and I'll tell you exactly where you stand within 24 hours.
Are FHA rates higher than conventional rates?
It's a myth that FHA rates are always higher. In many cases FHA rates match or beat conventional rates because the loans are government-backed, meaning lower risk for lenders. Where FHA differs is mortgage insurance — there's an upfront premium and monthly MIP. I'll show you both scenarios side-by-side so you see the true total cost, not just the rate.
Can my down payment come from a gift?
Yes — and this is one of FHA's biggest advantages. 100% of your down payment can come from a gift from a family member, employer, or approved organization. No portion has to be your own funds (unlike some conventional programs). We just need a simple gift letter to document it.
How long does pre-qualification take?
The form takes about 2 minutes. I personally review every submission and you'll typically hear back same-day with your initial numbers and next steps. Pre-qualification has no impact on your credit. Full pre-approval (with verified documents) usually takes 24-48 hours once you send me the basics.
Will checking my eligibility hurt my credit score?
No. Pre-qualification is based on the information you self-report and does not involve a hard credit pull. When you decide to move forward to full pre-approval, we do pull credit — but it's a single inquiry that has minimal impact, and any further mortgage shopping within a 45-day window counts as one inquiry.
STOP RENTING. START OWNING.
Two minutes. No credit impact. No commitment. Just real numbers from a Loan Consultant who's spent 25 years getting Georgia families across the closing table.
