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FHA Home Loan

An FHA loan provides a government-insured loan with flexible loan options.  Less strict credit requirements and qualifications make this loan one of the easiest loans available for buying a home or refinancing.  Save money with an easy and fast FHA loan, qualifying is simple!

Currently have an FHA loan; consider refinancing with No Income, No Appraisal and No Credit via an FHA Streamlined Refinance.

How it Works/Payments

  • Pay your mortgage at any time without pre-payment penalties.
  • 30-, 25-, 20- and 15-year terms are all available with fixed rates.
  • 5-year or 7-year adjustable-rate mortgage available.

Qualification Requirements

  • Credit scores as low as 580 may qualify.
  • Debt-to-income ratios of 56% may qualify.
  • Refinance up to 97.75% of your primary home’s value.
  • Buy a home with as little as 3.5% down (primary home).

Got questions?  Give us a call!  One of our mortgage specialists would be happy to answer all of your questions and get you started with a great low rate today!

Working with J&J Coastal Lending

  • We put YOU first.
  • J&J Coastal Lending offers some of the most competitive rates in all of California!
  • Fast and efficient, we close most of our loans in 27 days or less.
  • We offer a variety of loan programs, including portfolio lending options.  J&J Coastal Lending will find the loan that is right for you!!!

**J&J Coastal Lending is not affiliated with or acting on behalf of or at the direction of FHA, VA, USDA or the Federal Government.

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