Who is the best FHA loan officer near Dallas TX?

I'm Bond Peter Njoku (NMLS #2670329), a top FHA loan officer serving Dallas, Garland, Frisco, McKinney, and all DFW cities. I help buyers with flexible credit profiles qualify for FHA loans with as little as 3.5% down. Phone: 469-545-7180.

What credit score do I need for an FHA loan in Texas?

FHA loans have more flexible credit guidelines than conventional loans. The minimum credit score for maximum financing (3.5% down) is 580 under FHA guidelines, though individual lender overlays may apply. Buyers with scores below 580 may still qualify with a larger down payment. I review your full profile and explain your options clearly.

Can I buy a house in Frisco TX with 3.5% down?

Yes. FHA loans allow a down payment as low as 3.5% for qualifying buyers in Frisco, TX and across the DFW area. I specialize in FHA financing for first-time and move-up buyers throughout North Texas. Phone: 469-545-7180.

I was denied by my bank for a mortgage — can I still get an FHA loan?

Yes. Bank denials are often due to loan program mismatches, not permanent disqualification. FHA loans have more flexible credit, debt-to-income, and income documentation guidelines than conventional bank products. I help buyers understand why they were denied and identify the right loan program for their situation.

What is the FHA loan limit in Dallas County Texas 2026?

FHA loan limits are updated annually by HUD based on county. For current FHA loan limits in Dallas County and surrounding DFW counties, contact me directly at 469-545-7180 or visit https://bondmortgagesolutions.com/fha-loans.html

Home / Loan Options / FHA Loans

FHA Home Loans

FHA Loans in Texas

FHA loans are popular among first-time buyers because they offer flexible qualification requirements and a low down payment option for qualified borrowers.

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FHA loan eligible Texas home — first-time buyer friendly

Why FHA?

Designed to make homeownership accessible

FHA loans are insured by the Federal Housing Administration, which allows lenders to offer flexible terms to a wider group of buyers. If your credit isn’t perfect or your down payment savings are limited, FHA is often the first program worth exploring.

Down payments as low as 3.5%
Flexible credit guidelines
Competitive rates for qualified borrowers
Gift funds may be accepted toward the down payment
Ideal for first-time buyers and borrowers rebuilding credit

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Single-story Texas home — typical FHA-eligible property

3.5% down*For qualified borrowers

Is FHA right for me?

FHA fits buyers who…

Are buying their first home

FHA was built with first-time buyers in mind — fewer hurdles to that first set of keys.

Are rebuilding credit

Flexible guidelines mean past bumps don’t automatically take you out of the running.

Want to move sooner

Lower down payment means you may be ready in months, not years.

Stack Programs

FHA + Down Payment Assistance — How to Stack in DFW 2026

FHA's 3.5% down payment can be layered on top of state and local DPA programs so many DFW buyers close with near-zero out-of-pocket. Here are the programs I use most often for Garland, Mesquite, Dallas, Plano, and McKinney buyers:

TSAHC Home Sweet Texas

3–5% grant — no repayment ever. Available to all buyers (not just first-timers). Income limit ~$97,200 (Dallas/Tarrant) or ~$119,700 (Collin/Denton). Stacks with FHA, VA, and USDA.

TDHCA My First Texas Home

Up to 5% deferred, forgiven at year 3. First-time buyers (or not owned in 3 years) only. Similar income limits to TSAHC. Pairs well with FHA for buyers who need the most help upfront.

Dallas DHAP

Up to $60,000 forgivable over 5 years. Dallas city limits only. First-time buyers, income-qualified. Can be combined with FHA to dramatically reduce out-of-pocket on a $200K–$350K Dallas home.

Stacking example — $320,000 Garland home:
FHA requires 3.5% down = $11,200. Add TSAHC at 4% = $12,800 grant. Result: down payment covered + closing cost help. I'm Bond Peter Njoku (NMLS #2670329) — get pre-approved and I'll identify every program you qualify for.

FAQ

FHA loan questions — answered in plain English

What credit score is needed for an FHA loan in Texas?

FHA requires a minimum 580 credit score for the 3.5% down payment option. With a score of 500–579, you can still qualify with a 10% down payment. In practice I look for 580+ for standard FHA approval in DFW. If your score is in the 580–619 range, FHA is almost always your best path. At 620+, I'll run both FHA and conventional so you can compare the real monthly payment. I'm Bond Peter Njoku (NMLS #2670329) — call or text 469-545-7180 and I'll review your full profile.

Can I stack FHA with down payment assistance in DFW?

Yes — and this is one of FHA's biggest advantages. I regularly stack FHA with TSAHC Home Sweet Texas (3–5% grant, no repayment) or TDHCA My First Texas Home (up to 5% deferred, forgiven at year 3). Dallas buyers can also access the Dallas DHAP (up to $60,000 forgivable). Properly stacked, many DFW buyers close with near-zero out-of-pocket. I'm Bond Peter Njoku (NMLS #2670329) — call or text 469-545-7180 to see which programs you qualify for.

Does FHA require mortgage insurance, and can it be removed?

Yes — FHA loans have two mortgage insurance premiums: an upfront MIP of 1.75% (rolled into the loan) and an annual MIP of 0.55% paid monthly. If you put less than 10% down, MIP stays for the life of the loan. If you put 10%+ down, it falls off after 11 years. Once you build 20% equity, many buyers refinance into a conventional loan to remove MIP permanently. I'm Bond Peter Njoku (NMLS #2670329) — call 469-545-7180 to run the numbers on your situation.

Can family help with the FHA down payment?

Yes — FHA allows 100% of your down payment to come from gift funds from a family member, employer, or eligible charitable organization. The donor must provide a gift letter stating no repayment is expected, and I'll document the transfer properly in your file. This is another reason FHA is popular with first-time buyers who have family support. I'm Bond Peter Njoku (NMLS #2670329) — call or text 469-545-7180.

What is the FHA loan limit in Dallas and Collin County Texas 2026?

For 2026, the FHA loan limit in the Dallas-Fort Worth-Arlington MSA is $524,225 for a single-family home. This covers Dallas County, Tarrant County, Collin County, and Denton County — meaning Garland, Mesquite, Plano, McKinney, Frisco, Fort Worth, and all DFW cities have the same $524,225 limit. I'm Bond Peter Njoku (NMLS #2670329) — call or text 469-545-7180 if you have questions about a specific property.

Can I use FHA for a refinance in Texas?

Yes — FHA offers two refinance options. The FHA Streamline Refinance lets existing FHA borrowers lower their rate with minimal documentation and no appraisal required in most cases. The FHA cash-out refinance lets you tap equity up to 80% LTV for home improvements or debt consolidation. If you have a VA loan, you'd use the VA IRRRL instead. I'm Bond Peter Njoku (NMLS #2670329) — call or text 469-545-7180 to review which refinance option fits your goals.

Bond Peter Njoku is a licensed Mortgage Loan Originator (NMLS #2670329) operating with Mortgage Funding Solutions (Company NMLS #1972934). Not all borrowers will qualify. Down payment assistance program availability and income limits subject to change. All loans are subject to credit approval. Equal Housing Lender.

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From the Blog

FHA by City

FHA loans in your DFW city

Garland580+ credit · DPA stacking · local expert MesquiteAffordable entry point · east DFW DallasDHAP up to $60K · first-time buyers PlanoCollin County · $350K–$550K range FriscoNew construction · builder vs. TSAHC McKinneyCollin County · new construction ready AllenSafest city · $350K–$480K · TSAHC RichardsonTelecom Corridor · dual county DPA RockwallLake Ray Hubbard · TSAHC eligible Royse CityFHA vs. USDA comparison · Kaufman Co. ForneyAffordable east corridor · TSAHC TerrellMost affordable DFW market · FHA/USDA Fort WorthHAP + FHA · Tarrant County ArlingtonFHA in Tarrant County IrvingDFW Airport corridor · TSAHC DentonUNT/TWU graduates · $119K income limit LewisvilleCentral Denton Co. · lower property taxes Flower MoundTop schools · FHA vs. conventional GrapevineDFW Airport adjacent · aviation workers MansfieldMISD schools · new construction ready SouthlakeEntry-level under $524K · Carroll ISD ProsperEntry-level new construction · FHA/conv

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