FHA Loans​

Looking to buy a home in Washington State but worried about your credit score or down payment? An FHA loan from Adventure Lending can help!

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Buy a Home with an FHA Loan – Easier Qualification, Lower Rates!

At Adventure Lending, we specialize in FHA loans, ensuring a smooth process from application to approval. Whether you’re checking FHA loan rates, and requirements, or using an FHA loan calculator, we’ve got you covered.

Low 3.5% Down Payment – Own a home sooner
Flexible Credit Requirements – Approval with 580+ score
Lower FHA Loan Rates – Save on interest
Easier Debt-to-Income (DTI) Ratios – Higher limits for better approval odds

🏡 Start your journey today!

What is an FHA Loan?

An FHA loan is a government-backed mortgage insured by the Federal Housing Administration (FHA). It helps buyers with low-to-moderate income qualify for a home loan with less strict credit and down payment requirements.

Lower credit score requirements – 580+ for 3.5% down
Smaller down payments – As low as 3.5%
Lower FHA loan rates – Often lower than conventional loans
More flexible debt-to-income (DTI) ratios

With Adventure Lending, we help you determine eligibility, loan limits, mortgage insurance costs, and the best financing options for your home purchase.

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FHA Loan vs. Conventional Loan – Which One is Best?

Feature

FHA Loan (Washington)

Conventional Loan

Down Payment

3.5% (with 580+ credit)

5% – 20%+

Credit Score

580+ (or 500 with 10% down)

Typically 620+

Mortgage Insurance

Required (MIP)

Required if <20% down

DTI Flexibility

More flexible

Stricter requirements

Loan Limits

Up to $977,500 in WA

Varies by lender

Need expert advice? Our FHA loan specialists at Adventure Lending will help you choose the right loan.

FHA Loan
FHA Loan

Why Choose Adventure Lending for FHA Loans in Washington?

🏆 Trusted FHA Loan Experts – Our experienced team guides you through every step, ensuring a smooth loan process.
🚀 Fast & Easy Approvals – We streamline the application process for quick approvals without unnecessary delays.
💰 Competitive FHA Loan Rates – Get the best rates and flexible terms tailored to your financial needs.
📍 Serving All of Washington – Whether you’re in Seattle, Tacoma, Spokane, Bellevue, or beyond, we’re here to help.
💡 Personalized Assistance – We take the time to understand your goals and find the best FHA loan option for you.

🔹 Ready to buy your dream home? Let’s make it happen!
📞 Call Adventure Lending today at (206) 486-2939 to get started!

FHA Loan Requirements in Washington

To qualify for an FHA loan in Washington, you need to meet these basic requirements:

Credit Score: 580+ for 3.5% down, or 500+ with 10% down
Employment & Income: Steady income for at least two years
Primary Residence: You must live in the home you buy
Debt-to-Income Ratio: Typically 50% or lower
FHA Appraisal & Home Inspection: The property must meet FHA safety and condition guidelines

Not sure if you qualify? Let’s check your eligibility together! Contact Us

Use Our FHA Loan Calculator

Want to estimate your monthly payments? Use our easy FHA loan calculator to check:

💰 Loan amount
📉 Interest rate
📊 Down payment
🏡 Mortgage insurance (MIP)
📅 Property taxes & insurance

🔢 Calculate Your FHA Loan Payment

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