FHA/VA Loans

At Graham Lending Expert, we believe that everyone deserves a chance at homeownership. FHA and VA loans provide affordable, government-backed mortgage options for first-time buyers, veterans, and eligible homeowners looking to refinance. These loan programs offer low down payments, flexible credit requirements, and competitive interest rates to help you achieve your homeownership dreams.

A Federal Housing Administration (FHA) loan is a government-backed mortgage designed to make homeownership accessible to more people. It’s a great option for first-time buyers and those with lower credit scores or limited savings.

Benefits of FHA Loans:✔ Low Down Payment – As little as 3.5% down

✔ Flexible Credit Requirements – Ideal for borrowers with credit scores as low as 500

✔ Competitive Interest Rates – Government-backed security keeps rates affordable 

✔ Higher Debt-to-Income Ratios Allowed – More leniency in qualifying for a home loan 

✔ Refinance Opportunities – FHA Streamline Refinance available for lower payments

A VA loan is a mortgage option available exclusively to veterans, active-duty military members, and eligible surviving spouses. Backed by the U.S. Department of Veterans Affairs, these loans offer incredible benefits that make homeownership easier and more affordable for our nation’s heroes.

Benefits of VA Loans:

✔ Zero Down Payment – Buy a home with no money down.  Your service is your downpayment! 

✔ No Private Mortgage Insurance (PMI) – Save on monthly mortgage costs 

✔ Flexible Credit Requirements – No minimum credit score required by the VA (lender guidelines may apply) 

✔ Lower Interest Rates – Competitive rates compared to conventional loans 

✔ Streamline Refinance (IRRRL) – Easy, low-cost refinancing option for VA homeowners

A 203(k) loan is a type of FHA loan that allows homebuyers and homeowners to finance both the purchase (or refinance) of a home and the cost of renovations with a single mortgage. This is an excellent option for those looking to buy a fixer-upper or update their current home without taking out a separate loan.

Benefits of FHA 203(k) Loans:

✔ One Loan, Multiple Uses – Covers both home purchase/refinance and renovation costs ✔ Low Down Payment – As little as 3.5% down

✔ Flexible Credit Requirements – Similar to standard FHA loans 

✔ Broad Range of Eligible Improvements – Includes structural repairs, room additions, and energy-efficient upgrades 

✔ Increase Home Value – Finance necessary renovations that add long-term property value

At Graham Lending Expert, we guide you through the 203(k) loan process to ensure you get the best financing solution for your renovation goals.

Already a homeowner? Refinancing your FHA or VA loan can help you: 

✔ Lower your monthly payment

✔ Secure a better interest rate

✔ Tap into home equity with a cash-out refinance

✔ Switch to a more favorable loan term

At Graham Lending Expert, we specialize in FHA Streamline and VA IRRRL (Interest Rate Reduction Refinance Loan) programs, making it easier and faster to refinance with minimal paperwork.

At Graham Lending Expert, we are committed to helping our clients secure the best financing solutions with: 

✔ Personalized loan options tailored to your needs 

✔ A hassle-free loan application process

✔ Expert guidance from experienced mortgage professionals

✔ Access to top lenders for the best rates and terms

Whether you're buying your first home, refinancing, or looking for a VA loan to honor your service, we’re here to help every step of the way.

Let’s make your dream of homeownership a reality. Contact Graham Lending Expert to explore your FHA, VA, or 203(k) loan options.

📞 Call us at 843-246-4997
💬 Schedule a free consultation
📩 Apply online in minutes!

Graham Lending Expert – Helping You Achieve the American Dream