(818)-784-2929

22935 Ventura Blvd. Los Angeles, CA

Crestico Funding
  1. Home
  2. Home Loans
  3. Loan Programs
  4. Government Insured
  5. FHA Loans

FHA Loans With Flexible Home Financing Solutions

At Crestico, we help individuals and families achieve homeownership with FHA Loans backed by the Federal Housing Administration. These government insured home loans offer flexible qualification requirements, lower down payment options, and competitive financing for qualified homebuyers. Whether you are purchasing your first home or rebuilding your financial future, our experienced mortgage professionals will guide you through every step of the lending process.
Get a Free Consultation

What Is a FHA Loan?

An FHA Loan is a government insured mortgage designed to make homeownership more accessible for qualified borrowers. Because these loans are insured by the Federal Housing Administration, approved lenders can offer more flexible lending guidelines than many conventional mortgage programs.
FHA Loans are popular with first time home buyers, borrowers with moderate income, and individuals who may have limited credit history or lower credit scores. They also provide lower down payment requirements,
At Crestico, we work closely with every borrower to determine eligibility, explain available loan options, and recommend the financing solution that best fits your financial goals.
Young family celebrating outside their newly purchased home with FHA home loan financing

Who Can Benefit From FHA Loans?

FHA Loans are designed for homebuyers who need a more flexible mortgage solution. They are commonly used by first time buyers, families purchasing a primary residence, borrowers with limited savings, and individuals working to improve their credit profile.

Depending on your financial situation, an FHA Loan may provide easier qualification requirements than many conventional mortgage programs while still offering predictable monthly payments and competitive interest rates.

Step 1

Check Eligibility

Step 2

Payment Option

Step 3

Get Approved

Step 4

Close the Loan

Step 5

Repayment & Loan Terms

How FHA Loans Work

After completing your mortgage application, your income, employment, credit history, assets, and debt obligations are reviewed to determine eligibility. Once approved, you can purchase or refinance an eligible owner occupied property using an FHA insured mortgage.

Our loan specialists simplify every stage of the process, from pre approval through underwriting and closing, ensuring a smooth and transparent lending experience.

Where FHA Loans Can Be Used

FHA Loans are available for eligible primary residences throughout California and across the United States through approved FHA lenders. Whether you are purchasing a single family home, qualifying condominium, or certain multi unit owner occupied properties, Crestico can help you explore financing options that match your needs.

Frequently Asked Questions

Who qualifies for an FHA Loan?

Eligibility is based on several factors including income, employment history, credit profile, debt to income ratio, and the property being financed. FHA Loans are often a great option for first time buyers and borrowers with flexible credit qualifications.

How much down payment is required?

Qualified borrowers may be eligible for a low down payment, making FHA Loans one of the most affordable home financing options available for many buyers.

Can I qualify with less than perfect credit?

Many borrowers with lower credit scores may still qualify for an FHA Loan. Loan approval depends on your complete financial profile and current lending guidelines.

Can FHA Loans be used for home improvements?

Certain FHA programs, including FHA 203k financing, allow eligible borrowers to finance both the purchase of a home and approved renovation costs within one mortgage.

Can I refinance with an FHA Loan?

Yes. FHA refinance options may help eligible homeowners lower monthly payments, change loan terms, or refinance an existing FHA mortgage through available FHA refinance programs.

Get the Best Home Loan Rates  With Crestico

Get Pre-Approved Now
Henry D.
Marisol was extremely helpful and successful in resolving the problems associated with my loan. We are very happy with our new loan.
Maria C.
They were always available to answer my questions and made the entire process simple and straightforward. I got a great rate and the support I needed to close on time. I wouldn't hesitate to use them again or recommend them to family and friends!
Nik N.
I couldn't have had a more amazing experience with our realtor - Diane Phillips. Diane is extremely knowledgeable and personable. She got to know me and my...
Tatiana G.
Houtan and Marisol are a great team. They helped my dad with his refinance and made the process seamless. They answered every question we had and came up with solutions if we ran into any issues. Thanks again!
Wesley P.
I had an amazing experience.I received all the information, support and they were very Knowledgeable of the information that I needed.
George H.
Excellent Mortgage Broker – Highly Recommended! I had an amazing experience working with Houtan and his team at Crestico. From start to finish, not only Houtan himself but his entire team made the mortgage process smooth, stress-free, and efficient. Their knowledge and expertise were evident at every step, ensuring I got the best possible loan terms. Communication was outstanding; Houtan was always available to answer my questions, explain complex details in a way that made sense, and guide me through the entire process with confidence. They were proactive, transparent, and truly had my best interests in mind. If you’re looking for a mortgage broker who is professional, reliable, and dedicated to helping you secure the best financing, I highly recommend Houtan and his team. I couldn’t have asked for a better experience!
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive, personable, and knowledgeable. He is incredibly reliable and would answer calls or emails within minutes when I had questions. I can't recommend Houtan enough for buying a house. We had been working directly with a large bank on a loan, and all seemed fine until we had an accepted offer, then we started having issue after issue where there was just no sense of urgency. We almost had to walk away from our house, but Houtan and his team were referred to us in mid escrow, helped us explore multiple options in parallel, and close on time. Houtan was very responsive and on top of everything, presented our options very clearly, patient with all our questions, and really understands the Los Angeles housing market.
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive,...
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive,...
Niloofar S.
As a first time home buyer, taking out a jumbo loan could’ve been quite scary. But Houtan and his team made it a pleasant experience. An amazing team who are always one step ahead of the process.
Mohammad S.
Easy to work with ! Professional people and honest!
Jack M.
Worked with Houtan. He got our loan closed super fast and got us a rate that was lower than what our bank offered us. I'm very happy with Crestico and i recommend them to anyone.
Rebecca S.
Finally a real professional with a heart! Working with Houton makes me feel like having a friend who is on my side, rather than a businessman who is always looking out for #1. He is extremely helpful, knowledgeable, and responsive. He was always happy to explain and strategize with me whenever I needed help. Unlike most realtors and lenders out there who don't want to use their brains and only do easy and mindless paperwork, Houtan has great analytical and investment insights to share with his clients. I wholeheartedly recommend him to anyone who values the rare combo of both thoughtfulness and top-notch expertise.
Ramtin S.
Thank you Houtan and the entire team for going above and beyond every single time. From the onset, you guys gather whatever is necessary to get the job done as quickly and efficiently as possible, always keeping constant communication. My rate and fees are disclosed and never change at the time of signing.
Shayan M.
These guys were a godsend when searching for a home loan. I was first time home buyer and they helped out with the entire process. Everything from the customer service to making sure I was informed for every step of the process was handled exceptionally. I am absolutely ebullient with Houtan and his entire team have given me, and helping me transcend into the status of homeowner.
Pouyan B.
I have been working with Houtan for over 10 years. He and his office have always been great to work with. Excellent communication and great work ethic. I will definitely be back for my other mortgage needs in the near future.
Michael R.
Thank you Houtan and team for helping me secure my home loan! Great communication, customer service and rate! Look no further, call Crestico for all of your home loan needs.
Bronson M.
I want to express my gratitude to Houtan and his team. Houtan is extremely knowledgeable and really takes the time to answer any questions that you have. He wants the best for his clients and I would recommend him to anyone.
Diba P.
I want to take a moment to express my gratitude for Houtan Hormozian and the exceptional service he provided in helping me secure a loan. From our very first conversation, he was attentive, understanding, and incredibly knowledgeable about the lending process. He took the time to explain all the details, answered all my questions patiently, and worked tirelessly to find the best options tailored to my needs. His professionalism and dedication made what could have been a stressful experience into one that was smooth and straightforward. Thanks to Houtan Hormozian, I was able to secure the financing I needed, and I couldn't be happier with the outcome. I highly recommend him to anyone in need of lending services. His commitment to his clients is truly commendable!
Golnaz G.
Houtan and his team are the best. They made the whole process of buying the house so easy for me. Houtan is very professional,knowledgeable , trustworthy and caring. He wants the best for his costumers. I highly recommend him to everyone.
Cristy M.
Jason M.
Dane R.
We did a lot of research before settling on Houtan - and he has been a great find. He has helped us with our home purchase, and several refinances since then. As we look into purchasing rental properties, he is always available to answer questions and explain things in terms that non-brokers can understand. He is, and will always be a part of our investment team.
Sean L.
Houtan and His team are great. He got me a great rate and funded my loan before my escrow closing date. A ++
Lena M.
I am a realtor. Houtan Hormozian was my buyers lender. He was always very responsive and always answered my calls, some lenders never call you back He promised he would close in 30 days and he did. I would highly recommend him.
Call Us
Email