Why Choose an FHA Loan?
FHA loans provide a low down payment option of 3.5%, making homeownership more accessible. They feature flexible credit requirements and competitive interest rates, offering significant savings over time. Additionally, closing costs can often be covered by sellers or lenders, reducing out-of-pocket expenses. These benefits make FHA loans ideal for first-time buyers and those with lower credit scores.
Benefits of FHA Loans
Choosing an FHA loan comes with a range of benefits designed to make the homebuying process smoother and more affordable:
Easier Qualification
FHA loans are more forgiving with credit scores and financial history, making them accessible to a wider range of borrowers.

Lower Down Payment
With a down payment as low as 3.5%, you can buy your home sooner and keep more savings in your pocket.

Assumable Loans
FHA loans are assumable, meaning you can transfer the loan to a new buyer if you decide to sell, potentially making your home more attractive to buyers.

How to Qualify for an FHA Loan
To qualify for an FHA loan, you need a minimum credit score of 580 for a 3.5% down payment. Borrowers with credit scores between 500 and 579 can qualify with a 10% down payment. You must demonstrate a steady income and employment history, with a debt-to-income ratio of 43% or less. FHA loans are for primary residences only.

Contact us today
Ready to explore your FHA loan options in San Diego? Our team at Thomas Harris Mortgage Solutions is here to help you every step of the way. Contact us today to schedule a consultation and start your journey toward homeownership.

John’s Success Story
John, a first-time homebuyer, dreamed of owning a home in San Diego but was concerned about his credit score and the down payment requirements. He reached out to Thomas Harris Mortgage Solutions and discovered the benefits of FHA loans. With our guidance, John secured an FHA loan with a low down payment and favorable terms, enabling him to purchase his dream home without financial stress. Today, John enjoys the stability and pride of homeownership in beautiful San Diego.
Why choose us
Expertise and Experience
With extensive knowledge of the mortgage industry, Thomas Harris brings a wealth of experience to help you navigate the complexities of home financing.
Personalized Service
We believe in a personalized approach, taking the time to understand your financial situation and goals to offer the best mortgage solutions.
Transparency and Integrity
Honesty and transparency are at the core of our business. We ensure that you are fully informed and confident in your decisions throughout the mortgage process.
Comprehensive Support
From pre-approval to closing, we provide comprehensive support and resources to make your home buying journey seamless and enjoyable.
I couldn't be happier with the service. Thanks to their personalized approach, I was able to secure the perfect loan for my new home.

Ana B.
Mortgage customers

I couldn't be happier with the service. Thanks to their personalized approach, I was able to secure the perfect loan for my new home.

Ana B.
Mortgage customers

I couldn't be happier with the service. Thanks to their personalized approach, I was able to secure the perfect loan for my new home.

Ana B.
Mortgage customers

What Are People Saying About Us
Liana was super helpful to us as first time home buyers!
During our home buying process, Liana was super responsive and helpful. As first time home buyers, she was able to answer all the questions that we had, and was able to explain things in ways that we understood. She took the time to review documents and numbers, to ensure nothing was missed!
Thank you for everything Liana!!!
Julia W & Chaise H
Fort Myers, FL
Fantastic
So helpful. Explained everything. Walked through the process with me. Assisted in a process I was not familiar with my last home purchase. Couldn’t ask for a better lender.
taylornicolesauceman
Nashville, TN
Had a great experience working with Thomas on my second house.
Hafizullah Shinwari
Thank you Thomas. You are AWESOME !
Srividya Subramanyam
First Time Buyer
My fiance and I were recommended from our landlord. We were first time home buyers. It was a very last night minute decision, it was a very, very, stressful situation but in the end we made it there. We signed the papers today and closed.
Lisa Larsen
Loveland, CO
Satisfied client
My husband and I had a wonderful experience working with Lindsey Miller on our mortgage loan. From beginning to end, she was informative, extremely thorough, and attentive to our document needs. We would highly recommend Lindsey and his company to anyone.
Djenny Sydney
Fayetteville, NC
Above Outstanding
Working with Lindsey exceeded our expectations! We couldn’t have asked to work with a better lender. Any future purchases will definitely be done through her! Extremely knowledgeable and answered all of our questions with patience and knowledge.
Mia Dove
Kingston, TN
Literally could NOT have had a better experience!
Tyler and his team partnered so incredibly well with our agent and ourselves. If we won the lottery, we would start buying houses for fun just to work with them again…and again…and again!
Steve Dutelle
Hopkinton, NH