FHA Loan

Our FHA loans can help you own the home of your dreams.

If the idea of buying a home feels impossible, VyStar is here to put homeownership within reach. Whether you’re a first-time homebuyer or not, fresh out of college, still building your career or raising a family, we offer homebuyers affordable mortgage options to fit your unique needs, including FHA Home Loans. An FHA loan requires less money down and has lower credit score guidelines, making this loan perfect for any potential homebuyers.

FHA loans help make homeownership possible, with:

Down payments as low as 3.50%
More lenient credit score guidelines
Savings of up to $5,000 in closing costs or choose a 0.25% rate discount¹
60-day free rate lock²
Gift funds that can be used toward your down payment
Non-occupant co-borrowers allowed
Up to 6% seller concessions to help pay closing costs

Certain restrictions and limitations apply. All loans are subject to credit approval.

¹Closing Costs OR 0.25% Rate Discount offer is not available on Loans $50K and under, Land, Construction Perm, HabiJax and Investment Mortgages. Available for purchase or refinance. VyStar will pay borrower closing costs up to a maximum amount of $5,000 excluding origination fee and/or discount points, private mortgage insurance, FHA Upfront Mortgage Insurance Premium (UFMIP), condo document fees/condo approval fees, homeowners association fees, home inspections, costs related to deed changes, prepaid funds for homeowners and/or taxes, prepaid interest or funds to establish the member’s homeowners and/or property taxes escrow account. If the borrower pays off the mortgage within the first 36 months, they will be required to reimburse VyStar for a portion of the closing costs paid by VyStar.

²60 day free rate lock is available on purchase and refinance. Fees applicable for extensions over 60 days.

Ready to begin? Start your application now, call us at 904-908-2535 or submit the form to request a call back.