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FHA Loans in Spring, The Woodlands & Houston, TX

FHA loans are insured by the Federal Housing Administration, which lets lenders offer more flexible credit and income guidelines. They're a favorite of first-time buyers in Spring, The Woodlands, and Houston, and they're a good fit if your credit or savings are still a work in progress.

Andrew Hooey of Game On Mortgage, helping a Houston-area client with an FHA loan

FHA Loan Highlights

3.5% down with a credit score of 580 or higher. Scores from 500 to 579 may qualify with 10% down.

Gift funds allowed for your down payment and closing costs from family members.

Flexible debt-to-income ratios compared with most conventional loans.

2026 loan limit: $541,287 for a single-family home in the Houston area.

FHA Mortgage Insurance

FHA loans include an upfront mortgage insurance premium of 1.75%, which is usually added to the loan, plus an annual premium paid monthly. With less than 10% down, the monthly premium stays for the life of the loan. Many buyers later refinance into a conventional loan to remove it once they've built equity. I'll show you exactly what that looks like before you commit.

Already Have an FHA Loan?

If rates have dropped since you bought, an FHA Streamline Refinance can lower your payment with less paperwork and usually no appraisal.

Why Work With Game On Mortgage?

I'm Andrew Hooey, an independent mortgage broker based in Spring, TX. Instead of offering one bank's products, I shop your loan across multiple wholesale lenders and bring back the option that fits you best. Game On Mortgage has funded over $150 million in loans with a 97% customer satisfaction rate, and we serve buyers and homeowners across Spring, The Woodlands, and the greater Houston area.

Related loan programs:Conventional Loans, First-Time Home Buyer Loans, Down Payment Assistance. See all loan programs.

Fill out the form for a quick quote, or call me directly at (713) 446-2420.

Andrew Hooey, NMLS #1808045. Game On Mortgage, LLC, NMLS #2468752. Not a commitment to lend. All loans subject to credit approval, property eligibility, and program guidelines. Program terms and limits are subject to change.