We are Ellicott City Maryland’s #1 FHA loan lender. We are helping borrowers in Ellicott City qualify for the best FHA loan to meet their borrowing requirements. An FHA loan is a government backed mortgage insurance by the Federal Housing Administration (FHA). Popular with first time homebuyers, FHA loans require lower minimum credit scores and low down payments.

FHA Loan Requirements Ellicott City Maryland

  • A credit score of at least 580 for a 3.5% down payment
  • A credit score of 500 to 579 for a 10% down payment
  • Mortgage insurance that is offset due to lower FHA interest rates than a conventional loan.
  • FHA Debt to income ratio of 50% or less

Qualify for a 3.5% down FHA Home Loan. Use this application to prequalify and start shopping for your FHA Loan in Ellicott City Maryland today! Purchase, Refinance, Cash Out Refinance.

According to an announcement by the FHA the loan limit for 2022 will be $420,680 for most of the country. The 2022 FHA loan limit for the high cost areas will be $970,800. Not just Ellicott City, we are the best FHA Loan Maryland lender.

Contact us to find out what the loan limits in the county you would like to purchase in. Call now 800-826-5077

Prequalify now to see how much of an FHA Home Loan you can qualify for. 

Get Your Pre-Qualification Letter in 15 minutes

Benefits of an FHA Home Loan in Ellicott City Maryland

About Ellicott City Maryland

Ellicott City is located close to the center of Maryland. Ellicott City is between the Howard, Baltimore county. Ellicott City is in Howard County and is one of the best places to live in Maryland. Living in Ellicott City offers residents a dense suburban feel and most residents own their homes. In Ellicott City there are a lot of restaurants, coffee shops, and parks. The public schools in Ellicott City are highly rated.

Major Attractions in and around Ellicott City, MD

  • Patapsco Valley State Park – Hollofield Area (Recreational site on the Patapsco River)
  • Patapsco Valley (Park and garden and camping)
  • Clark’s Elioak Farm (Farm produce & adventures for kids)
  • Gwynns Falls Trail (Hiking, biking & historic sites)
  • Centennial Park (Lakeside outdoor preserve)
  • B&O Ellicott City Station Museum (Exhibits & events in a historic setting)

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EXPERT HOME LOAN AND REAL ESTATE ADVICE

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Maryland’s #1 FHA Loan Lender – First Time Home Buyer Experts