FHA Loans

Why choose an FHA mortgage?

You don’t have to be a first time home buyer to qualify for a FHA loan.  If you have a few credit problems, or a relatively short credit history, a FHA loan may be an option for you. Additionally, FHA loans offer you additional benefits, such as lower out of pocket closing costs, either through a combination of lender paid costs and the option to wrap a portion of your closing costs in to the loan – all while typically offering lower mortgage insurance premiums than a conventional loan.  They also have more generous debit to income ratio requirements. At Endeavor Capital Mortgage, we are one of the top lenders in the St. Louis area for FHA and  government loans, with loan experts that can make the process easy for your to apply To get an FHA or VA loan, you apply through an approved lender like Endeavor Capital Mortgage. In fact, we are one of the top lenders for government loans. At every one of our offices, you work directly with local loan experts experienced with these loans. A home loan insured by the federal housing administration (FHA). An FHA loan is usually available at an attractive lower rate. It is open to all qualified borrowers. FHA loans are underwritten through the standards established by the federal housing administration and are fully insured by the department of housing and urban development (hud). In FHA loans, the fico score is not evaluated, but a twelve month payment record can be established using non-traditional methods of payment (e.G. Phone bill). Regardless of the lending standards for FHA financing, the interest rates available may be comparable to those offered to conforming borrowers.


– Low down payment –

– No maximum income/earning limitations –

– Fixed and adjustable rate loans available –

– Federal government insurance replaces PMI –

Current Missouri Mortgage Rates


30 Year Fixed


15 Year Fixed


5/1 ARM

Ready To Start?

Ready to get started?  Contact us today or apply online to get your pre-qualification started.  One of our experienced loan officers will contact you to help make the process quick, simple and hassle-free.

*Disclaimer: Certain restrictions and credit approval apply; not all applicants will qualify. All approvals are subject to underwriting guidelines which include but are not limited to: acceptable credit & income history, current homeowners insurance, property value, debt to income ratio, etc. Minimum & maximum loan amounts apply. Please contact Hometown Equity Mortgage for further details.