FHA Home Loans

Compared to other home loans, FHA is typically the most flexible mortgage product with lower minimums for down payment and credit score, while allowing a higher debt-to-income (DTI) ratio. A FHA loan is typically the best home loan option for first-time buyers who are not military veterans or the house is not in an eligible rural area designated by USDA.

GMFS Mortgage has funded over 26,000 FHA home loans.

FHA Home Loan Features

96.5% maximum financing
Upfront mortgage insurance required as well as a monthly amount for term of loan
Expanded qualifying ratios and flexible credit guidelines
FHA maximum loan amount varies by geographical area determined by FHA
No income limits or location restrictions
Can be used for purchases and refinance

Calculate Your FHA Loan Payment

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Ashley and her team are awesome! In spite of the issues we faced in our construction process, Ashley made sure we never had any worries about our loan. She was knowledgeable, professional, responsive and a true lifeline for us. We are forever grateful for the personal attention she gave us, and for always treating us like our business mattered. We highly recommend her to anyone building or buying a home. Customer service at its finest!

Donna T.

This company was so easy to work with! Ashely and her team were prompt and very informative. Everything was easy and online, and with our hectic schedule we stayed on target and closed in a timely manner. They will be recommended to any in my circle buying a new home!

Worship D.

I love the constant communication and how knowledgeable MeLisa is. Clients are her main focus and concern

Melissa J.

Darren did a great job. He was very knowledgeable and responsive througho the process. Toward the end of the process we did get some odd request from loan approvers (not Darren) which is why I rated the overall experience as ok and not great (i.e. requirement to make cosmetic vinyl siding repairs prior to closing).

Jason M. Saint Francisville, LA

From the first phone call I made Stinson supplied just the information I requested. And then I appreciate it, as well as I’m sure my clients did, that he came to the closing and was very professional and friendly. I enjoyed him very much as I’m sure my client did also.

Toni K. Baton Rouge, LA

What Sets Us Apart

A Lender Who Cares

With GMFS Mortgage, you’re not just getting a loan—you’re getting a team that’s all in, every step of the way.

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Established

Since 1999, we’ve helped over 150,000 people across 23 states become homeowners.

Efficient

Everything from processing to closing happens under one roof. That means fewer hiccups…and more high-fives.

Trusted

A+ BBB rating. Torch Award for Marketplace Trust. A reputation built on doing the right thing.

Experienced

Our team averages 14+ years in the industry—and a lifetime of showing up for our clients.

*Government loans such as FHA, USDA and VA typically have more flexible guidelines than conventional loans but interest rates are typically higher.

*Not a commitment to lend. All loans subject to credit and property approval. The following terms are for illustrative purposes only. Rates, payments, and loans terms vary by consumer based on their individual qualifying information. The payment amount illustrated does not include the amounts for taxes, property insurance, or mortgage insurance.

Purchase Price	Loan Amount	Interest Rate	APR	Term
$239,000	$227,050	6.5%	6.725%	30