FHA loan Silver Spring Maryland
We are Silver Spring Maryland’s #1 FHA loan lender. We are helping borrowers in Silver Spring 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 Silver Spring 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 Silver Spring 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 Silver Spring, 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 Silver Spring Maryland
- Low down payment with a minimum of 3.5% down payment
- Lower credit scores. Down to 580 to for 3.5% down payment
- Great for first time home buyers.
- An Federal Housing Administration, FHA provides a guarantee loans to the lender who is actually extending the loan.
- To apply for an FHA loan, you'll need to provide your Social Security number, two years of tax returns and employment verification.
- FHA loan payments should be equal to or less than 31% of a borrower’s income. If a borrower has debt, the combination of debt payments and mortgage payment should equal 43% or less of the borrower’s income. The lender may make some exceptions to this rule. We can allow for a ratio of 50% DTI
- To apply for an FHA loan, you'll need to provide your Social Security number, two years of tax returns and employment verification.
About Silver Spring Maryland
Silver Spring is located in southeastern Montgomery County, Maryland, United States, near Washington, D.C. Although officially unincorporated, in practice it is an edge city which had a population of 81,015 residents as of the 2020 census.
Downtown Silver Spring is rated extremely high on livability factors such as nightlife, diversity, health and fitness, public schools, etc. Silver Spring was ranked second out of 193 other Maryland cities as the best suburb for young professionals in Maryland.
Major Attractions in and around Silver Spring, MD
- National Museum of Health and Medicine (Collection of medical specimens)
- Sligo Creek Trail (Running)
- Silver Spring B&O Railroad Station (Restored train station built in 1940s)
- Acorn Urban Park (Small park with gazebo & shaded paths)
- Washington D.C. Temple (Modern temple of the LDS faith)
- Rock Creek (Park and garden, hiking, running, deer and river)

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