A Division of American Pacific Mortgage, 1850
TILA spelled T-I-L-A stands for the Truth in Lending Act, and
emphasizes our commitment to honest and ethical lending

FHA Loan

Bellevue FHA Loan recipients - Bellevue Mortgage Rates

FHA Loans in Seattle, Bellevue and Bothell

  • Great For First Time Home Buyers
  • Only 3.5% Down Payment Required
  • Lower Credit Score OK
    (Scores 580 and up*)
  • Free Quote with Competitive Rates and Fees*

Are you a first time home buyer or do you need some extra help qualifying for a home because your credit isn’t perfect or you have a 0 to 3.5% down payment?

Our experts will help you get qualified for a loan at a great rate.

Call (206) 766-8888 now  for a free consultation or get a free rate quote by email. From Seattle to Tacoma, from Bellevue to Spokane, we serve all of Washington state.

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Our Loan Process

An FHA insured loan is a Federal Housing Administration mortgage insurance backed loan which is provided by a FHA-approved lender. FHA insured loans have historically allowed lower income Americans to borrow money for the purchase of a home that they would not otherwise be able to afford.

To obtain mortgage insurance from the Federal Housing Administration, a mortgage insurance premium (MIP) equal to 1.75 percent of the loan amount at closing is required, and is normally financed by the lender and paid to FHA on the borrower’s behalf. Depending on the loan-to-value ratio, there may be a monthly premium as well.

The program originated during the Great Depression of the 1930s, when the rates of foreclosures and defaults rose sharply, and the program was intended to provide lenders with sufficient insurance. Some FHA programs were subsidized by the government, but the goal was to make it self-supporting, based on insurance premiums paid by borrowers. Over time, private mortgage insurance (PMI) companies came into play, and now FHA primarily serves people who cannot afford a conventional down payment or otherwise do not qualify for PMI. The program has since this time been modified to accommodate the heightened recession.

FHA loans for home buyers

Buying a home is every family’s dream. Unfortunately, too many people can’t afford to purchase a home. FHA loan can make the possibility of buying a home a reality. It’s an ideal loan for home buyers.

Our professional mortgage can help you obtain an FHA loan in a smooth manner. We are the most dependable name in FHA loans.

Benefits of an FHA loan:

  • 3.5% down payment
  • Competitive rates and fees*
  • We strive to provide fast closings to assist our clients’ needs
  • Can qualify with lower credit score (580 and up*)

Call TILA Mortgage today to speak with one of our licensed loan officers and learn more.


Contact TILA Mortgage to see if you qualify for an FHA Loan today


*American Pacific Mortgage Corporation does not offer this program, but will utilize a broker source to underwrite and fund.

TILA Mortgage, Real Estate Loans, Bothell, WA