California FHA Loans

FHA purchase and refinancing solutions

If you want to buy a house in California but don’t necessarily meet all of the requirements of conventional financing, then a FHA loan may be the perfect option. We also offer FHA streamline and cash-out refinancing solutions to homeowners throughout the state.

At Empower Capital Group, we offer FHA financing that can be your ticket to becoming a homeowner. We service the entire State of California and have years of experience helping home buyers and homeowners find the right program for their individual needs.

Contact us today for a free quote and home loan consultation

(707) 522-1887

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Why Consider an FHA Loan?

With a California FHA loan, you may have to make a down payment of as low as 3.5% of the cost of your home. In practical terms, that means that a $300,000 home in California would necessitate a down payment of as little as $10,500. On the other hand, many traditional loan options will compel you to make a down payment of as much as 5-20%. Using the $300,000 benchmark, you would be on the hook for a down payment tally of $15,000-$60,000.

FHA loans are popular among many first time home buyers as they allow borrowers to retain some of their savings for other home related or personal expenses.

Empower Capital Group offers highly competitive mortgage rates on FHA mortgage products including both fixed rate and adjustable rate options.
One of the expenses some home buyers tend to overlook is the closing costs. If you already have an FHA loan, you may be eligible to refinance with a FHA streamline solution from Empower Capital Group. FHA streamline refinancing keeps closing costs low and the simplifies the refinance process.
Your credit score counts for a lot as it can determine whether or not you’ll qualify for a loan. With California FHA loans, borrowers may be able to obtain financing even if they do not have a great credit history.

At Empower Capital Group, we understand that you’re more than your credit score, and we’ll work with you to find the best available solution.