“I couldn't of done this without Phillip. He is very kind and amazing to work with! I cant thank him enough for his help and am now a proud home owner!!”
Nichole Manis
[email protected]
1-888-321-2976
728 Quiet Valley Lane
Los Angeles
90017 CA
For many buyers—especially first-time homeowners or those rebuilding their credit—traditional loan requirements can feel out of reach. FHA loans offer a more flexible path forward. Backed by the Federal Housing Administration, these loans provide lower down payment options and more forgiving credit guidelines.
An FHA loan is a type of mortgage insured by the Federal Housing Administration. It's designed to help individuals, who might not qualify for traditional loans, secure a mortgage. FHA loans offer several unique advantages that make homeownership more accessible.
Lower Down Payment
FHA loans are known for their lower down payment requirements - as low as 3.5% if your credit score is 580 or higher. This lower upfront cost can make homeownership a more immediate reality for many buyers.
Flexible Credit Requirements
FHA loans come with more lenient credit requirements compared to conventional loans, making them an excellent choice for those with lower credit scores. Even if your credit isn't perfect, you could still qualify for an FHA loan.
Debt-to-Income Ratio Flexibility
FHA loans offer more flexibility with debt-to-income ratios. This means that even if you have a higher amount of debt compared to your income, you may still qualify.
Assumability
FHA loans are assumable, meaning a future buyer can take over your loan with its interest rate and terms intact. This can be a significant advantage when selling, especially in a rising interest rate environment.
“I couldn't of done this without Phillip. He is very kind and amazing to work with! I cant thank him enough for his help and am now a proud home owner!!”
While FHA loans are more accessible than conventional mortgages, there are still criteria that need to be met. These include a steady employment history, a valid Social Security number, and the property must meet certain standards.
At Impact Mortgage Southeast, we’re committed to guiding you through every aspect of your loan options, including FHA financing. Our team is here to equip you with clear information, practical tools, and expert insight so you can make confident decisions on your path to homeownership.
Please note: This information is provided as a guide and is not intended to replace professional real estate or financial advice. Always consult with a licensed real estate professional and financial advisor for assistance with your specific situation.
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We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email [email protected]
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all of the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside of it.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers), both for Windows and for MAC users.
Despite our very best efforts to allow anybody to adjust the website to their needs, there may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to [email protected]