FHA Loans
See if an FHA loan can help you buy a home with a lower down payment and more flexible credit requirements.
Our FHA Loan Rates Are Low & Our Process is Quick & Painless
An FHA loan is a mortgage loan insured by the Federal Housing Administration (FHA). The federal government insures loans for FHA-approved lenders, reducing their risk of loss if a borrower defaults on their mortgage payments.
The FHA program was created to make homeownership more accessible by offering more flexible qualifying guidelines for buyers who might not fit conventional lending criteria.
We'll help you clearly see the differences between loan programs, so you can choose the right one for you, whether you're a first-time homebuyer or a seasoned investor.
Fixed Rates
Adjustable-Rate Mortgage (ARM)
3.5% Down Payments
Flexible Credit Score Requirements
Terms from 5 to 30 Years
Why an FHA Loan?
Typically, an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment, and you can have less-than-perfect credit. An FHA down payment of 3.5% is required. Borrowers who cannot afford a traditional down payment of 20% or can't get approved for private mortgage insurance should look into FHA loans.
The FHA Loan Process
Here’s how our home loan process works
Step 1
Complete our simple FHA Loan Qualifier
Step 2
Receive options based on your unique criteria and scenario
Step 3
Compare mortgage interest rates and terms
Step 4
Choose the offer that best fits your needs
Your time & money matter. Let’s not waste either.
From fast, custom digital quotes to a completely streamlined online loan application and approval
process, you can get your money and do what you want with it — usually in less than 30 days.
Mortgage rates change daily and vary depending
on your unique situation.
Loans by Jed helps homebuyers and homeowners compare mortgage options for purchase, refinance, VA, FHA, USDA, conventional, reverse mortgage, and specialty loan scenarios. We focus on clear guidance, responsive communication, and practical next steps from first conversation through closing.
John Edward Jose NMLS: 121833. All Square Mortgage Inc NMLS: 893532. 10817 52nd Drive NE Marysville Wa 98271. [email protected]. (425) 484-3641.
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© 2026 Loans by Jed | All Square Mortgage, Inc. | NMLS #893532. All information provided on this website is for general informational purposes only and does not constitute financial advice or an offer to extend credit. We strive to maintain accuracy; however, no warranty is given regarding the completeness or reliability of the content. Mortgage programs, rates, terms, and underwriting guidelines are subject to change without notice. Loan offers are contingent upon underwriting approval and credit review. Certain products may not be available in all states and may be subject to additional restrictions. Equal Housing Lender.