An FHA Loan Built for Real-Life Budgets.
Flexible credit guidelines and low-down-payment options, with government-insured financing to buy or refinance your primary home.*
Homeownership within reach.
Credit that is still healing does not have to stop you.
- Standard documentation: income, assets, and credit
- Low-down-payment options for qualified buyers*
- First-time and repeat buyers welcome
- Purchase or refinance owner-occupied primary homes*
- Purchase & refinance with low-down-payment options, and cash-out is also available*
- FHA mortgage insurance applies, and how long it stays depends on your loan*
Loans from eligible amounts up to FHA loan limits*
Buy, refinance, or take cash out
Owner-occupied primary residence
Standard documentation: income, assets, and credit
Low-down-payment options available*
Fixed-rate and adjustable-rate (ARM) options
What is the Saxton FHA Loan?
A government-insured home loan from the Federal Housing Administration
The Saxton FHA Loan is a full-featured mortgage that is insured by the FHA, with flexible credit guidelines and low-down-payment options that make owning a home more accessible.
Qualify with standard documentation: income, assets, and credit reviewed the usual way.
Use it to buy or refinance an owner-occupied primary residence, within the FHA loan limit for your county.*
Why choose Saxton, a California FHA lender?
Built for buyers whose credit needs more flexibility than conventional allows.
First-Time Buyers
Low-down-payment options make buying your first home more attainable.*
Rebuilding Credit
More forgiving credit guidelines than many conventional loans, a smart path for buyers rebuilding their credit.
Move-Up & Repeat Buyers
Buy your next home or refinance the one you are in.
Cash-Out Refinance
Tap your equity to reinvest, consolidate, or fund your next move on eligible properties.*
Gift Funds Welcome
Gift funds from eligible sources may be used toward your down payment and costs.*
Credit Flexibility
FHA allows credit histories that conventional financing often turns away.
Hear From Homeowners Like You
Frequently Asked Questions
The questions we get asked most about the FHA Home Loan.
FHA sets loan limits that vary by county and property type; we confirm your area’s limit during pre-qualification.
Yes. FHA loans are a popular choice for first-time buyers, thanks to flexible credit guidelines and low-down-payment options.*
You can use it to purchase a home, refinance an existing mortgage (rate/term), or take cash out, on an owner-occupied primary residence.
FHA is known for flexible credit guidelines; your options depend on your full profile.
FHA is built around a small down payment, and the exact requirement depends on your credit profile. Gift funds are allowed on an eligible purchase.*
Yes. Fixed-rate and adjustable-rate (ARM) options are available on eligible programs.
Yes, cash-out refinancing is available. The amount you can access depends on your equity, credit profile, and property type.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton FHA Loan program that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified- U.S. Department of Housing and Urban Development, FHA and housing resources
- U.S. Department of Housing and Urban Development, FHA mortgage insurance premiums
*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. FHA loan limits are set by county by the Federal Housing Administration. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.