FHA Loan Programs

If you are looking for a fixed rate loan with high loan-to-value options up to 97.75% with more flexible credit and income qualifying criteria, then FHA may be one of your best choices.  The FHA program, by design, allows for smaller established credit profiles and also non-traditional credit where there has been no real establishment of credit.  We also offer this program for credit scores down to the 530 level.  Rates, terms, and expanded program options, are highly correlated with credit scoring.  This is a terrific program for purchasing a new home or refinancing an existing one.  We also offer the new FHA Streamline, highlighted below, that will allow homeowners with existing FHA mortgages to inexpensively refinance with minimal documentation and cost. 

It's easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration, homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit and/or those that just need a bit more flexibility in qualifying over conventional loans.

The links to the right are articles aimed at helping you better understand FHA loans. With this information, you can make a more informed decision on whether these government insured loans are right for you and your family.

New FHA Streamline Refinance:

If you currently have an FHA mortgage on your home and you would like an easy qualifier means of lowering the rate, this may be the program to consider.

  • FHA Streamline with flexible credit scores. 
  • LTV’s up to 97.75% with unlimited combined LTV’s
  • NO Income Documentation 
  • NO Employment verification
  • NO Employment Listed on the loan application
  • No Appraisal Required

We can help you understand the FHA loan program and create a customized solution that works best for you and your family. To learn more call us at 703-319-2198 or contact us via email by clicking here.

Local areas served in Northern Virginia include Fairfax, Fairfax County, Leesburg, Loudoun County, Prince William County, Winchester and Frederick County, Warrenton and Fauquier County, Manassas, Springfield, Reston, Chantilly, Centreville, Arlington, Alexandria and Annandale.  Statewide services include  locations throughout the state of  Virginia, Maryland, DC & Pennsylvania - VA, MD, DC & PA.


Jefferson Mortgage Group LLC

2536 Leeds Rd.
Oakton, Virginia 22124
FAX: 703-773-6946
NMLS: 935554

Located in Fairfax County, Virginia. Serving all of Virginia, Maryland, DC & Pennsylvania. 


Jefferson Mortgage Group LLC is licensed in Virginia, Maryland, DC & Pennslvania.
Virginia State Corporation Commission License Number MC-5659 and the Pennsylvania Department of Banking & Securities #46259 
The DC Department of Insurance, Securities, and Banking License #MLB935554
Maryland DLLR License #21586

An Equal Housing Lender

By refinancing the consumer's existing loan, the consumer's total finance charges may be higher over the life of the loan.

This material is not from HUD or FHA and has not been approved by HUD or any government agency.