FHA Loans on the Cheap!

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The Lowdown on FHA Loans...

FHA Loans

Our FHA Loan Rates Are Low & Our Process Is Set Up For Success

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 to help stimulate the economy by making loans more affordable back in the 1930’s. We can now handle credit scores for FHA loans down to 600. The down payment required is just 3.5% down making it an entry level mortgage option.

We’re here to make the FHA home loan process a whole lot easier, with our skills we want you to start with our FREE FHA Loan Qualifier.

FHA loans also have UFMIP and a funding fee which means there is a fee added to the loan amount as well as a monthly fee to insure the loan. These are fixed formulas designed by FHA.

The FHA Loan Process

Here’s how our home loan process works:

  • Complete our basicFHA Loan Qualifier
  • Receive loan options based credit score
  • Compare interest rates and loan products
  • Choose the offer that best fits your goals

Why an FHA Loan?

FHA loans are the easiest kind of loan to qualify for because of the low down payment and allows for almost any credit score and credit history. The down payment is just 3.5% compared to Conventional which will have higher down payment requirements. It’s a great option for a first time home buyer and if you have less than stellar credit it is likely your only option. Please contact us and a mortgage specialist will reach out to you immediately.

  • Fixed Rates
  • Adjustable Rates (ARM)
  • 3.5% Down Payments
  • Jumbo & Super Jumbo Loans
  • Terms from 10 to 30 Years

Get Your FREE FHA Loan Quote Now!

What Our Clients Are Saying

Han Fan
Han Fan

01:46 21 Mar 19

Me and my wife apply for mortgage back in August 2018.. the process is really smooth. very knowledgeable and willing to explain. Fast response time. I would give more than 5 star if I could.

Keith U
Keith U

16:03 14 Mar 19

Hands down the best mortgage broker in Jacksonville. Using Carbon Capital we were able to prequalify and place a bid on our first home in a matter of hours. Andrew went out of his way to explain everything and make sure we understood the mortgage process in simple terms. Casey and Kelly were able to answer all of our questions. They even answered our emails during the weekend and outside office hours. That is great customer service!

Rebecca Richey
Rebecca Richey

15:14 09 Jan 19

We have had an amazing experience working with Andrew, Casey and Kelly with Carbon Capital. They have been on top of everything to ensure we have had a very smooth closing. We are so pleased with their response time and professionalism throughout this entire process. Great job!! Thanks!!

Nicole Coburn
Nicole Coburn

11:07 16 Nov 18

Andrew/Kelly/Ross all gave exceptional performances during our home buying process. I highly recommend Carbon Capital if you are in the market. They made buying our home a breeze. The processes that they have in place are seamless and easy to use and give full details of everything that you may have a question about. Always promptly returned phone calls and took real patience and care which is outstanding with my anxiety through the whole thing. Thanks for everything you do. Client for life.

Susan Brennan
Susan Brennan

07:37 11 Oct 18

If you're in the market to purchase a home, I highly recommend Carbon Capital. We received professional and timely answers to our many questions and scenarios. Kelly is just the epitome of patience and very knowledgeable with regard to all types of mortgages. Being somewhat of a "commitment-phobe," the idea of a 30-year mortgage really drove my anxiety during the home buying process. It was reassuring to know that any questions or concerns would be quickly addressed by Kelly or Andrew with either a phone call, e-mail, or text. The personal service we received was second to none. In the end, I believe we got the best available rate and terms and found the entire process quite seamless thanks to Carbon Capital.

Stephen Sapp
Stephen Sapp

12:36 04 Oct 18

I've bought, sold, and refinanced houses over the years a number of times. I've never had the mortgage process go smoother than it had with Carbon Capital. Andrew and Kelly are fantastic! They explain everything in plain english. They're extremely responsive to questions via email or telephone. When I buy, sell, or refinance in the future, I won't have to do any shopping around; I will just make a call to Carbon Capital. Thanks Andrew and Kelly!!!