Michael Durr
FHA
LOANS.
The most accessible path to homeownership. Low down payments and flexible credit requirements make FHA the #1 choice for first-time Texas buyers.
Accessible
Ownership.
An FHA loan is a mortgage insured by the Federal Housing Administration. It allows for lower down payments and is much more forgiving of lower credit scores compared to Conventional loans.
For Michael Durr, FHA isn't just a loan—it's a wealth-building tool that lets families stop renting and start building equity years earlier.
Down Payment
Only 3.5%
Min. Credit
580 FICO
Gift Funds
100% of your down payment can be a gift from family members or qualified grants.
FHA Guidelines.
Simple criteria for your Texas home purchase
Low Credit Approval
Unlike other programs that penalize lower scores, FHA offers competitive rates even for those with scores as low as 580.
Seller Contributions
Sellers can contribute up to 6% of the purchase price toward your closing costs, drastically reducing your cash out of pocket.
Debt-to-Income Flex
FHA allows for higher debt ratios than Conventional loans, making it easier to qualify for more home with a standard income.
The FHA
Expert.
"FHA is the gateway to the American Dream. We ensure that door stays wide open."
Michael Durr has navigated the complex FHA guidelines for nearly 30 years. From managing Upfront Mortgage Insurance (UFMIP) to structuring deals with gift funds, Mike's expertise ensures your first home purchase is a strategic victory.
28
Years Authority
100%
Commitment
Standard Entry Strategy
"My goal is to simplify the FHA process so you can focus on building a life in your new home. Let's get your numbers right."
- Michael DurrPre-Qual Form
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