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FHA Loans Guide

Buying a home can be a daunting experience, especially when it comes to securing a loan. But with FHA home loans, you can breathe a sigh of relief. πŸ’†β€β™€οΈ These loans are backed by the government, which means the lending requirements are more relaxed compared to traditional loans. And with a low down payment of only 3.5%, homeownership is now within reach. 🏠

At The Mortgage Architects, we specialize in providing FHA loans. So, even if your credit score isn’t perfect, don’t worry! You may still be eligible for a higher loan amount with our relaxed minimum credit score and requirements.

What is an FHA Home Loan?

An FHA loan is a mortgage option backed by the federal government. Even if your credit score isn’t top-notch, you may still qualify for this low-cost option. πŸ’³ Plus, with a down payment as low as 3.5% (or even 0% for qualifying VA applicants), it’s easier to make your dream of homeownership a reality.

The Story of FHA Loans: A Helping Hand during Tough Times

Back in the Great Depression, the Federal Housing Administration (FHA) was established to give Americans a shot at homeownership. 🏠 At a time when getting a home loan was nearly impossible, the FHA stepped in to make it easier by reducing the minimum down payment requirements and credit score requirements. πŸ’° Plus, with more attractive mortgage rates, more people were able to afford a home.

Today, the FHA is still going strong and continues to help people become homeowners. It’s amazing to see how far the FHA mortgage itself has come since its creation, and we’re proud to be a part of this rich history.

FHA Loans 101: Making Homeownership Accessible for Everyone

Are you interested in buying a home but feeling overwhelmed by the conventional loan process? Then you might want to consider an FHA loan! 🏠 These loans offer a variety of options to meet the unique needs of different borrowers. Plus, with relaxed requirements and more accessible terms, they make homeownership a possibility for those who may not otherwise qualify for a conventional mortgage.

When it comes to loan duration, you’re in control. You can choose a term that works best for you, with a maximum loan term of 40 years. And when it comes to loan limits and amount, FHA loans have you covered. The maximum loan limit is determined by the property type and local cost of living, with current loan limits, ranging from $420,000 to $1.2 million.

In a Nutshell: Here’s What You Need to Know

  • Brought to you by the Federal Housing Authority (FHA) 🏠

  • Low down payments starting at 3.5%

  • Relaxed credit score requirementsβ€”a lower minimum score is okay πŸ’³

  • More lenient debt to income requirementsβ€”so you can get the financing you need πŸ’°

  • Higher loan amounts availableβ€”because bigger is sometimes better πŸ’°

  • May have closing costs that conventional loans don’t requireβ€”but don’t worry, we’ll help you navigate it πŸ’°


How to Qualify for an FHA Loan

FHA Loans: Get in Your Home Sooner & Start Building Equity! 🏠

No need to wait for a perfect credit score to buy your dream home. With an FHA loan, you can start building equity sooner! πŸ’° Here’s what you’ll need t qualify for an FHA loan:

  • A minimum credit score of around 580 or higher

  • Proof of income with 2 years of W2s or 2 years of self-employed tax returns

  • Last 30 days of paystubs or last 3 months of business bank statements (if self-employed)

  • A satisfactory debt-to-income ratio (DTI)

  • Information on current debt including credit cards, alimony, and auto loans

  • A property assessment from an FHA-approved appraiser

So, why wait? Start your journey towards homeownership with an FHA loan!


Real Estate Options with an FHA Loan

  • Buy a single-family home

  • Certain types of manufactured homes

  • Get financing for a 2-4 unit multi-family home as long as one unit is owner-occupied

  • Buy a condo

  • Buy new construction

No matter what type of real estate you’re interested in, an FHA loan can help make your dream a reality for qualified applicants!Β 


FHA VS Conventional Loans

If you’re thinking of buying a home, it’s important to know the difference between FHA mortgages and conventional mortgages. This can help you decide which one to go for and get you into the home buying market sooner.

The key difference between the two is that FHA loans are easier to qualify for as they are backed by the federal government. While these loans were originally designed for low to middle-income borrowers, anyone can apply for one, including those who could qualify for a conventional mortgage.

They can be a great option if you don’t have a perfect credit score, as you may still be eligible with a minimum score of 500. But, to get the best financing and a 3.5% down payment, aim to have a credit score over 580. On the other hand, conventional loans usually require a more minimum down payment and a higher credit score of 620 or higher, and you may have to pay mortgage insurance if your down payment is less than 20%. With lower credit scores, mortgage insurance becomes prohibitive, and much more costly than FHA mortgage insurance.Β 

Interest rates on FHA loans are usually lower as they are insured by the government, meaning they carry less risk for the lender, and they require mortgage insurance for the entire lifetime of the loan. For conventional, average interest rates will depend on factors like your credit score, loan-to-value ratio, and debt-to-income ratio.

FHA loans come with mortgage insurance premiums (MIP) that you’ll have to pay, both at closing and in your monthly payment throughout the life of the loan. Conventional loans don’t require FHA mortgage insurance, but you may still have to pay for private mortgage insurance (PMI) if you make a down payment less than 20%. PMI can be cancelled once you have 20% equity in your home.

The type of property you want to buy can also impact which loan you choose. FHA loans come with restrictions on properties that don’t meet HUD standards, but repairs can be made to get funding for the purchase. For conventional loans, while they have many requirements, they usually don’t require a home inspection, but an appraisal is often needed.

FHA loans can only be used to purchase an owner-occupied primary residence and not investment properties or second homes. Conventional loans have fewer limitations and can be used to buy vacation homes, investment properties, and primary residences.


FHA Pros and Cons

Are you thinking about getting a home loan? If so, you might want to consider an FHA-backed loan. They’re a great option for first-time homebuyers, especially if you have a lower credit score. Here are some pros and cons to help you weigh your loan options out:

Pros of FHA Loans

  • Low down payment requirements, only 3.5%!

  • More lenient on debt ratios, so you can still get a loan even if you have higher debt.

  • A good choice for first-time homebuyers with lower credit scores.

  • More relaxed approval standards, so even if you have some blemishes on your credit history, you could still be approved for an FHA loan.

Cons of FHA Loans

  • You’ll have to pay an upfront mortgage insurance premium, which is 1.75% of the loan amount.

  • Sorry, you can’t use an FHA loan to purchase a rental or investment property.

  • Low down payment requirements, only 3.5%!


Credit Score

So, you’re thinking about getting an FHA loan to buy a home? That’s great! Just one thing to keep in mind is your credit score. This little 3-digit number can have a big impact on your loan and the amount you’ll need for a down payment.

Here’s the deal – if you have a credit score of 580 or above, you can put down a mortgage payment as little as 3.5%. But if your score is lower, you may need to come up with a bigger down payment.

Want to make sure your credit score is in good shape? Here are a few low credit scores and tips:

  • Keep your credit card balances low – aim for less than 30% of your total credit limit

  • Make all your payments on time – that includes credit cards, loans, and bills

  • If you’re struggling with your credit score, don’t worry! The Mortgage Architects offers easy credit repair solutions to get you approved for an FHA loan.


Wondering about DTI and Home Loans?

When you’re looking to apply for a mortgage, mortgage lenders will check out your DTI (debt-to-income) ratio. Every lender is different, but usually, if you’re going for a conventional mortgage, your DTI can be as high as 50% (as long as your housing costs don’t exceed 47%). But if you’re going for an FHA loan, your overall DTI can be up to 55% (again, housing costs can’t exceed 47%).

Calculating Your DTI is Easy!

Many home buyers worry about all their debt, like student loans, and think it will stop them from getting a home loan. Don’t let that worry stop you from getting a consultation to see if you qualify for a home loan! A mortgage lender will calculate your DTI to get an accurate picture.

Here’s how to do it in 3 simple steps:

  • 1. Add up all your monthly debt payments, including credit cards, student loans, auto loans, and court-ordered fixed payments like child support.

  • 2. Divide that number by your gross monthly income (all the money you make before taxes and insurance).

  • 3. Multiply the result by 100 and that’s your DTI ratio!

Keep in mind, if you’re self-employed, working part-time, or receiving income from other sources like overtime, bonuses, child support, etc., these may be factored differently. Your Loan Officer and Underwriter will review all of these. And remember, you can use Social Security income as well.


FHA Down Payment

Applying for a home loan can be overwhelming, especially when you factor in all the expenses like the down payment, closing costs, and mortgage insurance premiums. But don’t let that discourage you from reaching your goal of homeownership! There’s help available in the form of down payment assistance programs.

  • Colorado

    Down Payment Programs

    CHFA – offers a variety of loan programs designed to make your down payment more manageable. Plus, they can assist with closing costs and even help you secure a low or no mortgage insurance option.

    CHENOA Fund – receive up to 5% down payment assistance specifically tailored for FHA loans. As long as you have a minimum credit score of 600 and meet other criteria, you’re eligible! This program goes above and beyond by offering post-purchase counseling. They really want to make sure you have all the support you need on your homeownership journey.

  • Illinois

    Down Payment Programs

    Illinois Housing Development Authority (IHDA) – An incredible program that can provide you with up to $10,000 in assistance. Here’s the best part: qualifying borrowers can combine their FHA loan with a $6,000 forgivable grant. That means you won’t have to pay it back! It’s like getting an extra boost towards your down payment and making homeownership even more achievable. Say goodbye to the stress of finding funds and hello to the joy of becoming a proud homeowner in Illinois!

    Say goodbye to worries about down payments, and hello to your new home sweet home!

    Gift from Loved Ones

    One option to help you come up with the down payment is by accepting gift money from a family member or friend. If you go this route, just make sure your benefactor provides a letter that includes their contact information, relationship to you, the amount of the gift, and a statement that no repayment is expected.

    Can I Use Personal Loans for My Down Payment?

    Unfortunately, no – FHA loans don’t allow personal loans to be used for the down payment. But there are other options to consider, like down payment assistance programs or gift money from loved ones.


    Using Your FHA Loan

    • Required: Home Appraisal

      When it comes to using your FHA loan, there are some requirements you need to know about. The Federal Housing Administration (FHA) wants to ensure that your new home meets their loan standards. So, here’s the scoop: a home appraisal is a must.

      Whether you’re purchasing a single-family home, condo, or manufactured home with an FHA loan, there are minimum property requirements that need to be completed before you can get the green light. This appraisal is separate from a typical home inspection and is done to make sure all the HUD requirements are met.

      Now, if you’re applying for a renovation or FHA 203(k) loan, things might get a bit interesting. Your property could go through a two-part appraisal process. The first one is done “as is,” and the second appraisal happens after the improvements have been made. This way, they can calculate the value of the property once the renovations are completed.

      So, remember, while using your FHA home loan, an appraisal is required to ensure everything aligns with the FHA’s guidelines. It’s all about making sure your new home meets the standards for a smooth and successful homeownership journey.

    • Required: Professional Inspection

      When the appraiser pays a visit to the property, they’ll be conducting a thorough inspection. Their goal is to calculate the value of the house and ensure that it meets all the requirements set by the Federal Housing Administration (FHA).

      During this inspection, the appraiser will carefully examine both the exterior and interior of the home. They’ll take note of any issues they come across and document everything with detailed photos. It’s all part of their observation to ensure that the property meets the FHA’s standards.

      Here’s the key takeaway: if, during the inspection, the appraiser finds that the home doesn’t meet the minimum FHA requirements, don’t worry just yet. They might recommend further inspection or request repairs to be done by a professional before moving forward with the transaction. It’s all about making sure the home is in tip-top shape and meets the necessary criteria.

      Remember, this step is crucial to protect your interests as a buyer and ensure you’re investing in a home that meets the FHA’s guidelines. So, get ready for a thorough inspection that will give you peace of mind and confidence in your home-buying journey.

    • Inspections and Appraisals: What’s the Difference?

      We understand that having both an appraisal and an inspection might seem like a double dose of evaluations, but trust us, there are important differences between the two.

      When it comes to a home inspection, it’s all about prevention being better than cure. It’s your opportunity to arrange a thorough evaluation of the property’s condition before making that big purchase. The inspection will provide you with the confidence you need to move forward. It covers everything from top to bottom, giving you a clear picture of the property’s overall condition.

      On the other hand, an appraisal focuses on determining the home’s current market value. It’s a comprehensive and comparative estimate that helps your mortgage lender understand the property’s financial worth. It’s an essential step to ensure everyone involved has a clear understanding of the property’s value.

      Here’s an important tip: the U.S. Department of Housing and Urban Development (HUD), or HUD for short, strongly recommends that borrowers acquire a professional home inspection in addition to the necessary FHA appraisal. It’s your responsibility to hire a qualified home inspector who will conduct a detailed examination of the property. Trust us, investing in due diligence will be worth every penny. Not only will it provide you with peace of mind, but it will also boost your confidence when it comes to making that final decision on your dream home.

      So, remember to schedule that home inspection and appraisal separately. It’s all about ensuring you have all the information you need to make an informed decision and enter into homeownership with confidence. Happy house hunting!

    • FHA Energy Efficient Loans

      If you’re passionate about saving the planet while also reducing your monthly utility bills, we’ve got some great news for you. An Energy-Efficient Mortgage Loan might just be the perfect fit. These loans are insured by the Federal Housing Administration (FHA) and offer a fantastic opportunity for energy-efficient living.

      With an Energy-Efficient loan, you can make a significant impact not only on your carbon footprint but also on your overall expenses. These loans allow you to roll the cost of adding energy-efficient improvements into both new construction and existing real estate. It’s a win-win situation!

      But wait, there’s more. The Federal Housing Administration’s Section 203(b) Energy Efficient Mortgage is particularly popular because it allows you to bundle your closing costs and upfront mortgage insurance premium into the total loan amount. This means you won’t have to worry about taking out new credit cards or waiting for a tax refund to finance your green upgrades. It’s a streamlined and convenient option for homebuyers who are eager to embrace eco-friendly living.

      So, if you’re ready to go green and make a positive impact on the environment while enjoying the benefits of lower utility bills, an Energy-Efficient Mortgage Loan is the way to go. Say goodbye to excessive energy consumption and hello to a home that’s both environmentally friendly and financially savvy. Let’s make a difference together!

    • Refinancing Your FHA Loan

      If you’re looking to lower your monthly mortgage payment or achieve a new financial goal, refinancing might be the perfect solution for you. And here’s the great news: FHA Streamline Refinancing is specifically designed to help you reduce your monthly interest rates and charges. It’s a fantastic way to save some extra cash.

      The beauty of refinancing is that it typically requires less effort and documentation compared to obtaining a purchase loan. So, the process can be smoother and more straightforward, allowing you to enjoy the benefits without the hassle.

      Here’s a little tip for the future: if you refinance using a conventional loan, you have the opportunity to remove mortgage insurance. This can be a game-changer, as it frees up additional funds and gives you more financial flexibility.

      So, whether you’re looking to lower your monthly expenses or achieve a specific financial goal, refinancing is definitely worth considering. With FHA Streamline Refinancing, you can simplify your mortgage and potentially save a significant amount of money. And remember, in the future, you have the option to refinance using a conventional loan to eliminate mortgage insurance altogether.

      Don’t wait too long! Explore your refinancing options and unlock the potential for greater financial freedom. It’s time to take control of your mortgage and make your money work smarter for you.

    The Mortgage Architects IconThe Mortgage Architects

    6825 East Tennessee Avenue # 415, Denver

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    • Avatar pstengel β˜…β˜…β˜…β˜…β˜… 2 weeks ago
      We highly recommend Nathan and The Mortgage Architects. Nathan is very approachable and knowledgeable - we very much appreciated his style and the way he educated us through the process. Would not hesitate to recommend Nathan and The Mortgage Architects … More to family and friends. Thank you Nathan for your help with our property in Granby!
    • Avatar Lawrence Schwabe β˜…β˜…β˜…β˜…β˜… a month ago
      Words cannot express the customer service satisfaction and gratitude level experienced. Not only did Nathan and Team help us close in 1 months worth of time, they exceeded expectations in regards to communication, timeliness, and care. Alway being available … More at all hours of the day or night, attentive to any concerns and ensuring our trust with Nathan and Team, it is my first time buying and I could not have asked for a better experience. Call them now! πŸ™‚
    • Avatar Sue Carlton-Smith β˜…β˜…β˜…β˜…β˜… a month ago
      Nathan and his team of people were invaluable on our journey to purchase a new home. Times have changed and it's essential to have the best people helping you with this process. Nathan, Jen, Meagan, Orena and others kept us on track making the … More process as stress free as possible. They are the best!
    • Avatar Bryce Conlan β˜…β˜…β˜…β˜…β˜… a month ago
      Nathan and his team were incredible - knowledgeable, helpful in keeping things moving forward, and really REALLY personalized in their approach to helping us select the best mortgage product for our unique situation.Can not recommend more highly.
    • Avatar Austin Calvelage β˜…β˜…β˜…β˜…β˜… 2 months ago
      Nathan and his team did a fantastic job in making our cross-country move from Ohio to Colorado as stress free as it could have been! He was always in contact and willing to answer questions throughout the process. I feel highly confident in suggesting … More Nathan at The Mortgage Architects to anyone who is looking to purchase a home.
    • Avatar Kirk Dunn β˜…β˜…β˜…β˜…β˜… 3 months ago
      Nathan and his team were very efficient and helpful in getting things done. From start to closing, there were no delays during the whole process. I would highly recommend The Mortgage Architects
    • Avatar Angela Nelson β˜…β˜…β˜…β˜…β˜… 2 months ago
      Nathan and his team did an amazing job for me. The work he put into getting me approved to buy my house was on overtime. He always answered my calls, even when he was with family. He fought for me every step of the way. I valued his time and expertise … More in handling everything for me. I highly recommend Nathan to anyone looking for an awesome lender.
    • Avatar Rick Panlilio β˜…β˜…β˜…β˜…β˜… 3 months ago
      I met Nathan when he provided the financing for the buyer for one of my listings. I was impressed with his professionalism and knowledge that I started recommending him to my buyers who have all been very pleased with his overall service. Nathan has now … More become one of my go-to mortgage professionals!
    • Avatar Mili Simonovic β˜…β˜…β˜…β˜…β˜… 3 months ago
      I had the pleasure of working with Nathan when applying for a loan for my first home! He made everything super easy and was able to make sense of everything. He was able to find the perfect loan for my husband and I even though we hit a few bumps in the … More road. Highly recommend working with him and his team.
    • Avatar Matt Gallegos β˜…β˜…β˜…β˜…β˜… 3 months ago
      All of the Loan Officers are professional and knowledgeable but the most important I think is they go above & beyond for their clients. They want ever client to succeed whether it's now or 6 months from now by working with client's that … More need credit assistance. They truly work hard to help their client's achieve their home ownership goals.
    • Avatar Oyabiyi Ajinaku β˜…β˜…β˜…β˜…β˜… 4 months ago
      The team is very knowledgeable about the overall industry climate, their financial products and are beyond excellent problem solvers to help you achieve your goals. I’d recommend anyone seeking to purchase a home reach out to their team. Not only do they … More take the time to listen to your situation and goals but they will also help create a timeline to achieve homeownership based on your financial situation. When they speak they do so to help you understand what you are purchasing and the associated costs. Lastly, they have an open communication model that is hard to find within this industry. Meaning they won’t just give you a pre-approval and not talk to you again. They are there every step of the way including the closing table. I highly recommend The Mortgage Architects!
    • Avatar Derek Briggs β˜…β˜…β˜…β˜…β˜… 4 months ago
      This team is outstanding. From the start they were clearly dedicated to helping me through each detail of the process with complete transparency. They make a complicated process feel straightforward and comfortable. Their expert knowledge, remarkable … More efficiency, and commitment to tailoring a mortgage to fit my goals were second to none. There were even times through this where they suggested solutions that benefited our outcomes over their revenue.In this market, it's feels difficult to know if you're making the right decision. Work with this team knowing they're going to prioritize your needs and goals so that you're confident you're making the right decision.
    • Avatar Sienna Vargas β˜…β˜…β˜…β˜…β˜… 5 months ago
      Love love love their team! Super nice, VERY informative. I was able to ask so many questions and get the answers right away! Great communication and easy to get a hold of if I had random questions! I HIGHLY recommend working with Nathan!!!
    • Avatar Cynthia Landaverde β˜…β˜…β˜…β˜…β˜… 7 months ago
      Nate and his team are amazing. Very helpful and friendly. Answered all our questions. This process was pretty stressful but they helped us the whole way, and made us feel more comfortable with our decisions.
    • Avatar LifeOrDeath 7 β˜…β˜…β˜…β˜…β˜… 7 months ago
      Nathan is such an amazing person to work with he made the whole process run as smoothly as possible helping me to buy my first home. Every question i had he had an answer for right on the spot, all the information he gave me he explained in very good … More detail so that way i wouldn't be confused at any moment during the process. I highly recommend reaching out to him he goes above & beyond to help you out, outstanding work nathan thank you so much for everything you did to make this happen!
    • Avatar Marisol Rodriguez β˜…β˜…β˜…β˜…β˜… 10 months ago
      Nathan was extremely helpful from the very beginning of the process of searching for our home. Especially when it came down to obstacles, he helped us out tremendously and fought very hard for us when we were having a hard time with VOE from employers. … More Definitely recommend Nathan and his team.
    • Avatar Graham Marsden β˜…β˜…β˜…β˜…β˜… 11 months ago
      It's difficult to imagine that someone could work harder than the team at The Mortgage Architects, and specifically Nathan Jennison, at securing the best loan service and rates available. We refinanced in the midst of the pandemic, with employment … More gaps and other challenges, and benefited from some serious problem solving that Nathan led us through...in a matter of less than a month. I highly recommend this team.
    • Avatar Jonathan Almanza β˜…β˜…β˜…β˜…β˜… 11 months ago
      Talk about a dream team over at The Mortgage Architects! Nathan and Shannon were amazing. They had amazing communication and were able to get us the perfect loan. I’m grateful for how fast they were able to get things rolling too. Thank you for everything! … More
    • Avatar Ahmed Abdelhameed β˜…β˜…β˜…β˜…β˜… 11 months ago
      I cannot recommend Nathan and the Mortgage Architects team enough. Nathan was very responsive at all hours of the day, and went above and beyond to ensure that buying my first house was a smooth process. I really appreciated that Nathan always took the … More extra time to answer any questions I had, and always worked with my best interests in mind. I look forward to working Nathan again in the future!
    • Avatar Oscar Alatorre β˜…β˜…β˜…β˜…β˜… 11 months ago
      Working with Nathan at The Mortgage Architects was a great experience. His level of advice, communication, and work ethic is outstanding. Looking forward to working with him again.
    • Avatar Stephanie Braun β˜…β˜…β˜…β˜…β˜… a year ago
      Nathan is GREAT. He’s transparent about everything and has no problem explaining things in a manner that is easy to follow. He really came through for us and as first time home buyers, it was great to feel like we had someone whom we trusted.
    • Avatar Shannon Szeto β˜…β˜…β˜…β˜…β˜… a year ago
      Nathan is one of the most hard-working and dedicated to his craft that I’ve ever met. As a first time homebuyer, Nathan helped explain and simplified the process so that we closed without any hiccups in 4 weeks. His stellar communication also allowed … More us to repair any issues almost immediately. If you are thinking about going through a big box bank, but don’t fit the traditional mold, I cannot recommend his services enough! Nathan will get you the best rates, and the best lender, if you allow him to work his magic. Thank you Nathan!
    • Avatar Susanne Porras β˜…β˜…β˜…β˜…β˜… a year ago
      Thank you for everything! We were able to close on our loan and accomplish our dream. Our loan was not easy and with a lot of obstacles. Nathan made sure with his team to keep us in the loop of every step and even when I panicked make sure we had reassurance. … More We had great seller concessions and Nathan gave us a great option and made sure we used it all and the best way we could while educating us on our options.
    • Avatar Bill and Sharon Lyons β˜…β˜…β˜…β˜…β˜… a year ago
      I needed to borrow about 20k so I applied to Rocket Mortgage. They were true to their name and got back to me almost instantly. But Rocket's recommendation was for me to take out a loan for over 100k, which I was not comfortable with! I was almost … More lulled into the idea of borrowing way more than I needed (or could afford) but I wanted another opinion so I contacted Nate Jennison. I am so glad I did! Nate explained in great detail (that I could understand) why the RM "deal" was not a good one. He mapped out a completely different plan for me, a plan that suited my needs exactly! I felt very comfortable with Nate's ideas and I know he was looking out for my family and me. Our needs are his priority. Nate is very knowledgeable and patient and kind! I trust him and highly recommend him to anyone! BL
    • Avatar Brenda Silerio β˜…β˜…β˜…β˜…β˜… a year ago
      Communication is key in the mortgage industry! Nathan was always available to answer our questions and also reaching out to me and our mutual client to notify us our next steps. He was always ahead of the game. I feel comfortable to refer my clients … More to him for their mortgage needs knowing they will be in good hands.
    • Avatar Max Gonzales β˜…β˜…β˜…β˜…β˜… a year ago
      I cannot thank Nathan enough. The Mortgage Architects team moved quickly and gave us the confidence we needed to buy our first home! I would highly recommend Nathan and his team to anyone looking to have a great home buying experience.
    • Avatar Zhenni Ma β˜…β˜…β˜…β˜…β˜… a year ago
      I had the pleasure of working with Nathan, Sean + team. Experiencing as a first time homeowner, they were very patient and resourceful. They took the time to explain details to me that I didn't understand. I want to point out how smoothly they made … More this process for me knowing our timing. We had roughly 2 1/2 weeks to close. The team was very communicative and attentive to their work ensuring I felt comfortable with every actions made. I seriously can't appreciate them enough for the hard work put in this and helping me with my first purchase. I highly recommend!!! You will not be let down.
    • Avatar Hanh-Nhi Baik β˜…β˜…β˜…β˜…β˜… a year ago
      We felt like we were in the best of hands during a crazy housing market. We found Nathan Jennison when we quickly went under contract and realized we needed a more competitive interest rate at the last minute. In addition to helping us lock in a lower … More rate, we required a quick closing date which he was able to pull off successfully. Throughout the entire process, he provided exemplary customer service by being immensely communicative every step of the way providing immediate updates and answering all of our questions in a quick manner. He worked tirelessly to help us close quickly at the best rate with no hiccups. We will be using Nathan again for future deals and highly recommend him and his team to any investors or home buyers.
    • Avatar Amber Martin β˜…β˜…β˜…β˜…β˜… a year ago
      If you want a lender you can trust, Nathan Jennison is your guy! I’ve had several of my clients use him for pre approvals and as their lender. Never a disappointment and he always works diligently and in your best interest. He truly goes the extra mile … More to you get the best rate and deal for your situation. I wish I used him for my own home purchases!

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