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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Very good service. Made the process easy for a first time home builder

Slate L. Jennings – July 22, 2026

The overall experience was great and the team was patient, communicative, respectful, responsive and very understanding with me although I was upset and impatient at times due to stress of me relocating from another state and this being the third home I placed an offer on. The GMFS Team never wavered nor gave up on me and they just kept moving forward. I really appreciate them and will use them again if I consider buying agai n

Dawn Evangeline M. Mobile – July 22, 2026

Darren was very professional and easy to communicate with. From start to finish he had our loan closed in a couple of weeks.

Dale S. Port Allen – July 22, 2026

Very communicative

Breann D. Baton Rouge – July 26, 2026

Working with Stacey for my third time closing made buying a home completely stress-free. From our very first talk, the communication was clear and fast. She found me a great rate, answered every question I had without making me feel rushed, and kept me updated at every single step. If you want an agent that works hard for you and closes on time, look no further!

i keep going back to Stacey and will continue to.

Christopher Michael E. Lafayette – July 26, 2026

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