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The Lowdown on FHA Loans...

Our FHA Loan Rates Are Low & Our Process is Quick & Painless

Top Flite brings to Missouri an FHA loan program that closes the deal. Our lending specialists are very focused on finding the best solutions for our clients and addressing all their questions/concerns.

What is an FHA loan?

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 to reduce their risk of loss if a borrower defaults on their mortgage payments.

The FHA program was created in response to the rash of foreclosures and defaults that happened in the 1930s; to provide mortgage lenders with adequate insurance, and to help stimulate the housing market by making loans accessible and affordable.

The Top Flite Financial FHA Program

We bring to St. Louis an FHA home loan process that is a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.

We allow credit scores as low as a 500 fico and will even lend to individuals with “No Score”.  Our Missouri FHA loan program is as aggressive as you will see anywhere and we are well known for being a lender that closes the “tough deal”. Even when the odds seemed against us, we have helped various clients get a loan or obtain a mortgage with better rates and terms.

We are known for approving loans that Banks and Credit Unions often denied. If you have been turned down elsewhere, give us a chance to approve your loan, and you will not be disappointed!

The FHA Loan Process

With our online platform and our expert lending specialist, we make a stressful process easy. Here’s how our home loan process works:

  • Complete our simple FHA Loan Qualifier
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Got any questions? We’d be glad to answer them. Contact us today.

Why an FHA Loan?

Typically, an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low-down payment and you can have less-than-perfect credit.

At Top Flite Financial, we allow credit scores down to a 500 fico and will consider borrowers with debt to income ratios up to 57%. We have one of the most aggressive FHA products that you will find anywhere.

  • Fixed Rates
  • Adjustable Rates (ARM)
  • 3.5% Down Payments
  • Jumbo & Super Jumbo Loans
  • Terms from 10 to 30 Years
  • Credit Scores as low as 580!
  • Non-Occupying Co-Borrowers

Get Your FREE FHA Loan Quote Now!

I Want My FREE FHA Loan Quote!