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CALL: (509) 926-1755
Pacific Mortgage Center Logo
CALL: (509) 926-1755
Pacific Mortgage Center Logo
CALL: (509) 926-1755
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Pacific Mortgage Center Logo
CALL: (509) 926-1755
REQUEST ESTIMATE
Pacific Mortgage Center

FHA Loans

Unlock homeownership with flexible FHA loan options designed for first-time buyers and families across Washington, Idaho, and Montana.

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Flexible FHA Loan Solutions

Pacific Mortgage Center helps you achieve your dream of owning a home with FHA loans that feature low down payment requirements and more accessible credit guidelines. Whether you are buying your first home or looking for a fresh start, our team is here to guide you through every step of the FHA loan process.

Comprehensive FHA Loan Support

At Pacific Mortgage Center, we simplify the FHA loan experience by offering expert support from application to closing. Our FHA loan services are tailored to:
  • Require as little as 3.5% down payment
  • Allow lower credit scores compared to conventional loans
  • Provide competitive fixed interest rates
  • Include flexible debt-to-income guidelines
  • Permit family down payment gifts
  • Offer streamlined refinancing options

Easier Path to Homeownership

FHA loans are ideal for first-time homebuyers and those with limited savings, providing an affordable way to enter the market with a low down payment and flexible qualification standards.

Lenient Credit Requirements

With more flexible credit score requirements, FHA loans make it possible for individuals who may not qualify for conventional loans to secure financing and become homeowners.

Protects Homebuyers

FHA loans include protections such as required mortgage insurance, helping lenders approve applications and giving buyers peace of mind with a government-backed program.

Streamlined Refinancing Options

FHA loan holders can take advantage of simplified refinance programs that may lower their payments or interest rate without complex income documentation.

Personal Consultation

We begin with a one-on-one meeting to review your financial situation, discuss your goals, and determine if an FHA loan is the right fit for you.

Pre-Approval & Application

Our team will gather your financial documents, submit your FHA loan application, and work to get you pre-approved so you can shop for homes with confidence.

Guidance Through Closing

From choosing a property to finalizing the paperwork, we support you every step of the way, ensuring your FHA loan closes smoothly and on time.
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Real Reviews From Happy Customers

What Pacific Northwest Homeowners Say About Pacific Mortgage Center

"I have personally worked with Alan for 2 years, and he is professional as well as knowledgeable in his work. I highly recommend working with Alan as well as his team."

Vadim S.
Client

"I’ve done multiple loans with Pacific Mortgage Center, and they always impress me with the level of service and responsiveness. They work hard to get me the best rates, and they do a great job of keeping me updated on the steps of the process."

Jeremy F.
Client

"I just want to take the time to give a shout out to Brett. He was able to get us a loan for our first flip in this city. He provided guidance as well as refferals for attorney, title company as well as where to find the best materials. Nothing but class."

Jessee C.
Client

GOOD
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Based on 8 reviews
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B Clem
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Worked with Keven - very helpful and communicated well in all the details!
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Karl Epps II profile picture
Karl Epps II
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Kalin Stocker over at PMC is awesome!!
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Ryan Evarts profile picture
Ryan Evarts
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This is a great company to work with. The customer service is stellar! They did all the legwork in finding the right property for me provided a wide verity of listings To choose from. My broker there put together the home loan and the construction loan with virtually no effort on my part. The process was quick, precise and professional. The best part was the service after the sale. They’ve always been there to help assist with any concerns I might have, as well as, making themselves available to answer my questions. I genuinely trust the people there at PMC. I found them to have a policy driven by integrity and they have upmost respect for people as an individual. They truly “Set me up for success” by understanding that the property I bought wasn’t just a purchase, but also an investment. I have a great deal of gratitude for all they have done.
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Jessee Constantino profile picture
Jessee Constantino
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I just want to take the time to give a shout out to Brett. He was able to get us a loan for our first flip in this city. He provided guidance as well as refferals for attorney, title company as well as where to find the best materials. Nothing but class.

FREQUENTLY ASKED QUESTIONS

FHA loans are available to individuals with steady income who meet basic credit guidelines, including many first-time buyers and those with moderate credit scores. Each situation is unique, so we recommend a free consultation to review your eligibility.

FHA loans typically require a minimum down payment of 3.5%, making them a great choice for buyers with limited savings.

FHA loans have lower down payment and credit score requirements than most conventional loans, but do require mortgage insurance premiums for the life of the loan unless you refinance into a different program.

Yes, FHA guidelines allow you to use funds from family or approved sources toward your down payment and closing costs. We will help you document these gifts correctly.

Most FHA purchases close within 30 to 45 days, although timelines may vary depending on your situation and the property. Our team works proactively to help you close on time.

Start Your Homeownership Journey – Request a Free Consultation

Pacific Mortgage Center simplifies the home loan process with expert guidance and a personal touch. Reach out to explore your options, ask questions, and get a no-obligation quote to begin your path to homeownership.
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UNITED PROCESSING SERVICES INC DBA: PACIFIC MORTGAGE CENTER NMLS ID: #382734 DESIGNATED BROKER: ALAN SHANE HURD #602943441 LOAN OFFICER NMLS ID: #80956 / Montana State License: UNITED PROCESSING SERVICES INC DBA: PACIFIC MORTGAGE CENTER REBECCA PHILLIPS DESIGNATED BRANCH MANAGER NMLS ID: #1721891 LOAN OFFICER NMLS ID: #1517052 -- Equal Housing Opportunity -- NMLS Consumer Access Link: www.nmlsconsumeraccess.org
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