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Awesome Low Rates: Testimonial

Closing in 21 Days: A Fast, Smooth Mortgage Experience with Awesome Low Rates

AwesomeLowRates (20)

Closing in 21 Days: A Fast, Smooth Mortgage Experience with Awesome Low Rates

When we first started thinking about buying a home, we expected the process to take a long time.

We had heard stories—delays with paperwork, underwriting setbacks, appraisal issues, and unexpected complications. For many buyers, closing felt like a distant goal rather than a clear timeline.

But our experience turned out very differently.

We successfully closed in just 21 days—and it wasn’t stressful or rushed.

It was efficient, organized, and surprisingly seamless.

That experience was made possible by the team at Awesome Low Rates.

Here’s how it all came together—and what made the difference.

⚡ Why Speed Matters in Today’s Market

In competitive markets across Texas, timing can be just as important as price.

Sellers tend to prefer buyers who can offer:

  • Strong, verified financing

  • Short and reliable closing timelines

  • Clear and consistent communication

  • Fewer uncertainties

When we started looking in cities like Dallas and San Antonio, we quickly realized how fast homes were moving. Many properties received multiple offers within days.

To compete effectively, we needed more than just a good offer—we needed a strong, well-prepared financing strategy.

🧾 The Key: A Fully Reviewed Pre-Approval

The reason we were able to close in 21 days started before we even made an offer.

Instead of a basic pre-qualification, Awesome Low Rates provided a detailed and fully reviewed pre-approval process that included:

  • Verified income documentation

  • Thorough credit evaluation

  • Accurate debt-to-income analysis

  • Asset verification

  • Loan program confirmation

This level of preparation meant our file was already organized and ready for underwriting.

There were no delays caused by missing or incomplete information.

📅 Offer Accepted — The Process Begins

Once our offer was accepted on a home outside San Antonio, the timeline officially started.

Typically, closings can slow down due to:

  • Missing or incomplete documents

  • Delayed communication

  • Appraisal scheduling issues

  • Unexpected underwriting conditions

  • Title or insurance delays

But thanks to the structure provided by Awesome Low Rates, these issues never became obstacles.

🚀 Days 1–3: Immediate Action

Within just one day of our contract being finalized:

  • Our file was submitted and reviewed

  • The appraisal was ordered right away

  • Underwriting preparation began immediately

  • Closing details were projected early

There was no waiting period.

We were also given a clear checklist of what was still needed, so everything stayed organized and transparent from the start.

📞 Clear Communication Prevents Delays

One of the biggest advantages we experienced was consistent and proactive communication.

We received:

  • Regular updates on our loan status

  • Clear instructions for each step

  • Early notifications for required signatures

  • Transparent explanations of any conditions

Instead of reacting to problems, the team stayed ahead of them.

That proactive approach kept everything moving forward without interruptions.

🏡 Appraisal and Underwriting: Smooth and On Track

The appraisal process was scheduled quickly and completed on time.

When the property appraised at the expected value, we moved directly into final underwriting review—without delays or renegotiations.

Underwriting itself can often be the most detailed part of the process, but because our file was already carefully prepared, there were no surprises.

Conditions were minimal and resolved quickly.

Everything stayed on track.

🔑 Why a 21-Day Closing Was Possible

Fast closings don’t happen by accident—they happen because of preparation and coordination.

Here’s what made it possible:

  • A fully reviewed and verified pre-approval

  • Immediate ordering of the appraisal

  • Clean and complete documentation

  • Strong communication throughout the process

  • Efficient coordination between all parties

Each step worked together smoothly, rather than happening in isolation.

😊 A Stress-Free Experience

Instead of stress, we experienced momentum.

Each update brought us closer to closing with clarity and confidence.

By the second week, we already had strong progress toward final approval. By the third week, we were reviewing final documents and preparing to close.

Compared to stories we had heard from others, our experience felt incredibly smooth.

🏁 Closing Day: Prepared and Confident

On closing day, everything was exactly as expected.

We already knew:

  • Our final interest rate

  • Our monthly payment

  • Our total cash to close

  • Our long-term payment structure

There were no surprises—just a straightforward signing process.

We walked away not only as homeowners, but as informed and confident homeowners.

💡 Why Speed Doesn’t Mean Cutting Corners

A fast closing doesn’t mean anything was rushed or overlooked.

Every step in our process was carefully managed:

  • Financial documents were fully verified

  • Credit and income were thoroughly reviewed

  • Appraisal and underwriting followed proper procedures

  • All disclosures were clearly explained

The speed came from preparation and organization—not shortcuts.

🏆 The Advantage in Competitive Texas Markets

In areas like Dallas, Austin, Houston, and San Antonio, strong financing can make your offer stand out.

A buyer who can close quickly:

  • Reduces risk for the seller

  • Demonstrates financial readiness

  • Simplifies the transaction

  • Strengthens their overall offer

Our 21-day closing timeline helped us remain competitive and confident throughout the process.

📚 What We Learned Along the Way

Here are the biggest takeaways from our experience:

  • Preparation makes the biggest difference

  • Communication prevents unnecessary delays

  • A strong pre-approval saves time later

  • The right lender can streamline the entire process

  • Strategy matters just as much as timing

When all of these elements come together, the process becomes much more efficient.

🔄 How This Experience Changed Everything

What stood out most wasn’t just how fast we closed—it was how smooth the entire experience felt.

Instead of uncertainty, we experienced:

  • Clear direction

  • Consistent updates

  • Organized progress

  • Confidence at every step

That level of clarity made the journey into homeownership far more enjoyable than we expected.

🚀 Start Your Own Smooth Closing Experience

If you’re planning to buy a home in Texas, especially in competitive markets, preparation and timing can make all the difference.

Before you begin, consider:

  • Is your pre-approval fully reviewed?

  • Does your lender communicate proactively?

  • Is your documentation organized and ready?

  • Can your file move efficiently without delays?

If you’re unsure, having the right team behind you can change everything.

At Awesome Low Rates, we focus on helping buyers move through the mortgage process with clarity, speed, and confidence.

👉 Visit https://awesomelowrates.com/about-awsome-low-rates/ to explore your financing options
👉 Or schedule a one-on-one consultation today.

Your homebuying journey doesn’t have to be complicated.

With the right preparation and guidance, it can be smooth, efficient, and successful—just like ours.

Categories
Awesome Low Rates: Testimonial

Locked in at the Right Rate: A First-Time Buyer’s Journey with Awesome Low Rates

AwesomeLowRates (19)

Locked in at the Right Rate: A First-Time Buyer’s Journey with Awesome Low Rates

Buying your first home is an exciting milestone—but it can also feel overwhelming. One moment you’re imagining life in your dream home, and the next you’re comparing interest rates, trying to decide if it’s the right time to move forward.

That was exactly our experience.

We were first-time buyers in Texas—financially prepared, motivated, and ready—but unsure how to navigate a constantly changing rate environment. Every direction seemed to offer conflicting advice:

  • “Rates are going up.”

  • “Now isn’t the right time.”

  • “You should wait.”

  • “You should act fast.”

The uncertainty made the process more stressful than it needed to be.

What ultimately made the difference wasn’t just finding the right home—it was securing the right financing strategy with the right guidance from Awesome Low Rates.

Here’s how it all came together.

😟 The Biggest Concern for First-Time Buyers

Most first-time buyers expect the challenge to be paperwork, inspections, or saving for a down payment.

But the real concern is often the interest rate.

Why?

Because your rate directly impacts:

  • Monthly mortgage payments

  • Total cost over time

  • Long-term affordability

  • Overall financial confidence

Even a small rate change can significantly affect your budget over the life of the loan.

We didn’t just want to get approved—we wanted to make a smart, long-term decision.

📝 Step One: A Smarter Pre-Approval Process

Before seriously searching for homes in areas like Dallas and Fort Worth, we connected with Awesome Low Rates to begin the pre-approval process.

This wasn’t a rushed or surface-level review.

Instead, we went through a detailed process that included:

  • Income and financial documentation

  • Credit evaluation

  • Debt-to-income analysis

  • Loan program comparisons

  • Estimated payment scenarios at different rate levels

What stood out was the level of clarity. Instead of being given a single option, we were shown multiple scenarios:

  • How payments change with different interest rates

  • How adjusting the down payment impacts affordability

  • How various loan structures affect long-term costs

That transparency gave us confidence and helped us plan ahead.

🎯 Understanding What “The Right Rate” Really Means

There’s no single “perfect” interest rate that applies to everyone.

The right rate depends on your:

  • Financial situation

  • Long-term goals

  • Monthly budget comfort

  • Risk tolerance

For us, the goal was balance—an affordable monthly payment combined with manageable upfront costs and long-term stability.

The team at Awesome Low Rates helped us evaluate:

  • Fixed vs. adjustable options

  • Rate lock strategies

  • Discount points and buy-down options

  • Market timing considerations

Instead of pushing us to act quickly, they focused on helping us make an informed decision.

That guidance made all the difference.

🏡 Finding the Right Home in a Competitive Market

Eventually, we found a home in a quiet neighborhood just outside Austin.

It checked all the boxes:

  • Spacious layout

  • Updated kitchen

  • A backyard perfect for family time

But there was competition—multiple buyers were interested.

In competitive markets, strong financing is just as important as a strong offer.

Because we had a fully prepared and verified pre-approval through Awesome Low Rates, our offer stood out. When the seller’s agent needed confirmation, everything was handled quickly and professionally.

That responsiveness helped give our offer an edge.

🔐 The Decision to Lock Our Rate

After our offer was accepted, we faced an important decision—whether to lock in our interest rate.

Timing this step can be challenging:

  • Lock too early, and you may miss potential improvements

  • Wait too long, and rates may increase

Instead of guessing, we relied on guidance from Awesome Low Rates, who walked us through:

  • Current market conditions

  • Recent rate trends

  • Historical rate behavior

  • Potential future scenarios

With that information, we confidently chose to lock our rate.

Shortly after, rates increased.

That decision ended up saving us significantly over time.

💡 Why Your Rate Matters More Than You Think

A small difference in interest rate can have a major financial impact.

Even a modest change can lead to:

  • Higher or lower monthly payments

  • Differences in total interest paid

  • Changes in how much home you can afford

By securing the right rate at the right time, we were able to:

  • Keep our monthly payments predictable

  • Reduce long-term costs

  • Gain financial stability

Instead of worrying about fluctuations, we could focus on moving forward with confidence.

📊 First-Time Buyers Have More Opportunities Than They Realize

Many people assume first-time buyers are at a disadvantage—but that’s not always true.

With the right guidance, first-time buyers can access:

  • Flexible financing options

  • Competitive loan programs

  • Educational support throughout the process

  • Structured strategies for approval

Awesome Low Rates helped us explore options designed for our situation and guided us every step of the way.

It wasn’t just about getting a loan—it was about building a smart financial plan.

⭐ What Made Awesome Low Rates Different

Looking back, several factors stood out:

1. Clear Education
Every option and number was explained in a way we could understand.

2. Strategic Advice
We received guidance on timing, rate locking, and market conditions.

3. Fast Communication
Questions were answered quickly and clearly.

4. Transparency
No hidden surprises—everything was straightforward.

5. Personalized Approach
Our loan strategy was tailored to our goals—not a one-size-fits-all solution.

🏁 Closing Day: A Confident Experience

By the time closing day arrived, we felt prepared—not stressed.

We understood:

  • Our exact monthly payment

  • Our interest rate

  • Our long-term loan structure

  • Our financial plan moving forward

Instead of uncertainty, we felt confidence.

When we received the keys, we weren’t just homeowners—we were informed homeowners.

📈 Lessons for First-Time Buyers

If you’re planning to buy a home, here are a few key takeaways:

  • Don’t wait for “perfect” conditions

  • Get a detailed pre-approval—not just a quick estimate

  • Understand how rates impact your payment

  • Work with advisors who guide—not just process—your loan

  • Focus on long-term affordability, not just the lowest number

Preparation and guidance matter more than timing the market perfectly.

🔄 One Year Later: The Impact of Our Decision

Looking back, our decision to lock in when we did made a real difference:

  • Comparable buyers are now facing higher payments

  • We secured long-term payment stability

  • We began building equity instead of renting

  • We still have flexibility to refinance in the future if conditions improve

That combination gives us both stability and opportunity.

🚀 Start Your Own Homeownership Journey

If you’re feeling uncertain about rates, timing, or the homebuying process, you don’t have to figure it out alone.

The right guidance can simplify everything and help you move forward with confidence.

At Awesome Low Rates, you’ll find the support, education, and strategy needed to make informed decisions in today’s market.

👉 Visit https://awesomelowrates.com/about-awsome-low-rates/ to get started
👉 Or schedule a personalized consultation.

Your success story starts with the right plan—and the right team.

Categories
Awesome Low Rates: Home Buying Guides

How Much Home Can You Truly Afford? A Real-World Guide Beyond Online Calculators

AwesomeLowRates (9)

How Much Home Can You Truly Afford? A Real-World Guide Beyond Online Calculators

Buying a home is one of the most important financial moves you’ll ever make—and in today’s market, getting it right matters more than ever. While online mortgage calculators can give you a quick estimate, they often miss the bigger picture. In 2026, with mortgage rates shifting based on economic conditions, inflation, and policy changes, true affordability goes far beyond a simple number.

At AwesomeLowRates, we believe smart homebuying starts with understanding your full financial picture—not just what a calculator says you qualify for.

This guide walks you through how to determine what you can actually afford while keeping your finances stable, flexible, and future-ready.

Why Online Mortgage Calculators Fall Short

Mortgage calculators are helpful starting points, but they only use basic assumptions such as:

  • Gross income

  • Estimated interest rate

  • Existing debts

  • Standard debt-to-income (DTI) ratios

What they don’t account for are real-life expenses like:

  • Childcare or education costs

  • Medical expenses

  • Retirement contributions

  • Lifestyle spending habits

  • Emergency savings

  • Local property taxes and insurance differences

Because of this, many buyers end up qualifying for more than they can comfortably handle.

Step 1: Understand What Lenders Look At

Lenders primarily use your Debt-to-Income (DTI) ratio to evaluate affordability.

DTI = Monthly debt ÷ Gross monthly income

General guidelines include:

  • Conventional loans: typically up to 43–50% DTI

  • FHA loans: may allow higher DTI limits

  • VA loans: flexible, but stronger applicants benefit from lower ratios

Keep in mind—just because you qualify doesn’t mean it’s financially wise.

Step 2: Define Your Comfortable Monthly Payment

Instead of asking, “How much can I borrow?” shift your mindset to:

👉 “What monthly payment fits comfortably into my life?”

Two helpful benchmarks:

  • 28% of gross income (conservative housing estimate)

  • 25% of net income (more realistic for everyday budgeting)

For example:

  • Gross income: $8,000/month

  • Take-home income: $6,000/month

  • 28% of gross: $2,240

  • 25% of net: $1,500

This approach ensures you have room for savings, emergencies, and everyday living.

Step 3: Look Beyond the Mortgage Payment

Your monthly housing cost includes more than just your loan.

Be sure to factor in:

  • Property taxes

  • Homeowners insurance

  • Private Mortgage Insurance (PMI), if applicable

  • HOA fees

  • Escrow adjustments

Overlooking these can lead to a big gap between expectation and reality.

Step 4: Stress-Test Your Budget

Before committing to a home, ask yourself:

  • Can I still afford this if taxes or insurance increase?

  • What if utility costs rise?

  • Could I handle a temporary drop in income?

  • Will I still be able to save and invest?

Buying at the edge of your approval leaves little financial flexibility. A healthy budget leaves breathing room.

Step 5: Plan for Maintenance and Repairs

Owning a home comes with ongoing costs that many buyers underestimate.

A good rule of thumb is to set aside 1%–3% of your home’s value annually for maintenance.

For example, on a $400,000 home, that’s:

  • $4,000–$12,000 per year

This covers:

  • Repairs and appliance replacements

  • Roof and HVAC upkeep

  • Plumbing and electrical work

  • Landscaping

  • Unexpected emergencies

Planning ahead protects you from financial surprises.

Step 6: Think About Life Changes

Your financial situation won’t stay the same forever.

Consider:

  • Growing family needs

  • Career changes or relocations

  • Education or childcare costs

  • Starting a business

  • Long-term savings goals

A home that fits your life today should still work if your life changes tomorrow.

Step 7: Should You Buy Now or Wait?

Waiting for lower interest rates is a common strategy—but it’s not always the smartest one.

Risks of waiting include:

  • Rising home prices

  • Increased competition when rates drop

  • Missed opportunity to build equity

A better approach:

👉 Buy when the numbers work for you
👉 Refinance later if rates improve

This strategy works best if:

  • You’re comfortable with the current payment

  • You plan to stay in the home long-term

  • You understand refinancing costs

Step 8: Be Smart With Your Down Payment

Your down payment plays a big role in affordability:

  • Larger down payment → lower monthly payment

  • May reduce or eliminate PMI

  • Can improve loan terms

But don’t drain all your savings.

Always keep an emergency fund for:

  • Repairs

  • Unexpected expenses

  • Financial flexibility

Liquidity equals long-term security.

Step 9: Don’t Ignore Psychological Comfort

Affordability isn’t just math—it’s also how you feel about your finances.

Ask yourself:

  • Am I comfortable with this monthly payment?

  • Will this cause stress if expenses rise?

  • Does this allow me to enjoy life while saving?

A home should support your lifestyle—not limit it.

Real-World Example

Let’s compare two approaches:

Household Income: $120,000/year

  • Gross monthly income: $10,000

  • Take-home income: $7,200

Lender Approval:

  • Approved payment: $4,500

  • (45% of gross / 63% of take-home)

Practical Affordable Payment:

  • Around $2,800

  • (28% of gross / under 40% of take-home)

The difference impacts:

  • Savings potential

  • Emergency preparedness

  • Daily financial flexibility

Beyond the Numbers: A Smarter Approach

True affordability means:

  • Evaluating income and debt realistically

  • Including taxes, insurance, and maintenance

  • Stress-testing different scenarios

  • Planning for future changes

  • Considering refinancing opportunities

Working with a mortgage professional can help you see the full picture—not just the approved number.

The Bottom Line

How much home can you really afford?

  • Not the maximum a lender approves

  • Not just what a calculator suggests

It’s the home that allows you to:

  • Save consistently

  • Stay financially stable

  • Handle unexpected expenses

  • Enjoy life without financial stress

Take the Next Step With Confidence

Before making a decision based on estimates alone, get a clear picture of what you can truly afford.

👉 Visit https://awesomelowrates.com to explore mortgage options and learn how to secure competitive rates.

👉 Or schedule a personalized consultation here:
https://awesomelowrates.com/schedule-consultation

Our experienced team can help you:

  • Calculate a realistic and comfortable payment

  • Factor in taxes, insurance, and hidden costs

  • Compare loan options and rate scenarios

  • Build a plan that supports your long-term goals

Your ideal home isn’t just about what you qualify for—it’s about what fits your life.

Categories
Awesome Low Rates: Home Buying Guides

Adjustable vs. Fixed Mortgage Rates: Which Option Is Right for You in Today’s Market?

AwesomeLowRates (8)

Adjustable vs. Fixed Mortgage Rates: Which Option Is Right for You in Today’s Market?

Buying a home in 2026 involves more financial strategy than ever before. With interest rates influenced by inflation, economic policy, and market conditions, choosing the right mortgage can have a major impact on your long-term financial outcomes.

One of the biggest decisions homebuyers face is choosing between a fixed-rate mortgage and an adjustable-rate mortgage (ARM).

Each option comes with unique advantages and risks. The right choice depends on your financial goals, how long you plan to stay in the home, and your comfort level with changing payments.

This guide breaks down both options so you can make a confident and informed decision with help from AwesomeLowRates.com.

What Is a Fixed-Rate Mortgage?

A fixed-rate mortgage locks in your interest rate for the entire life of the loan — commonly 15, 20, or 30 years. Your principal and interest payment stays the same from start to finish.

Benefits of a Fixed-Rate Mortgage

  • Consistent Payments: Your monthly payment remains predictable

  • Protection From Rising Rates: Your rate won’t change even if the market does

  • Simple and Stable: Easy to understand and budget around

Drawbacks

  • Higher Starting Rates: Typically higher than initial ARM rates

  • Less Flexibility: You won’t benefit automatically if rates drop

  • Potentially Higher Long-Term Cost: If rates stay low for years, you may pay more overall

👉 Fixed-rate mortgages are ideal for stability and long-term planning.

What Is an Adjustable-Rate Mortgage (ARM)?

An adjustable-rate mortgage starts with a fixed interest rate for a set period — often 3, 5, 7, or 10 years — before adjusting periodically based on market conditions.

For example, a 5/1 ARM means:

  • Fixed rate for 5 years

  • Adjusts once per year after that

Benefits of an ARM

  • Lower Initial Rate: Often starts below fixed-rate options

  • Potential Short-Term Savings: Ideal if you don’t plan to stay long

  • Flexibility: Can reduce early mortgage costs

Drawbacks

  • Rate Uncertainty: Payments may increase after the fixed period

  • Market Exposure: Rising interest rates can impact affordability

  • More Complexity: Requires understanding adjustment rules and limits

👉 ARMs are best suited for short-term ownership or strategic financial planning.

Should You Buy Now or Wait for Lower Rates?

Many buyers consider waiting for interest rates to drop — but predicting the market is extremely difficult.

Here are some factors to consider:

  • Home prices may increase over time

  • Waiting could reduce your equity-building opportunity

  • Lower rates can bring more competition among buyers

A common strategy is to buy now and refinance later if rates improve — as long as your current payment fits comfortably within your budget.

Step 1: Consider Your Timeline

Your expected time in the home plays a major role in your decision:

  • Short-Term (Under 10 Years): An ARM may offer savings through lower initial payments

  • Long-Term (10+ Years): A fixed-rate mortgage provides stability and predictability

Step 2: Understand Your Risk Comfort Level

Ask yourself how comfortable you are with financial uncertainty:

  • Fixed-rate loans offer predictable, steady payments

  • ARMs offer lower initial costs but can change over time

Your personal comfort with risk should guide your choice.

Step 3: Compare the Total Cost

Look beyond monthly payments and evaluate the full picture:

  • Total interest paid over time

  • Taxes, insurance, and other housing costs

  • Possible future rate adjustments

  • Refinancing scenarios

A lower payment doesn’t always mean a better deal long term.

Step 4: Don’t Forget Additional Home Costs

Owning a home includes more than just your mortgage:

  • Property taxes

  • Insurance

  • Maintenance and repairs

  • HOA fees

  • Utilities

Lower initial payments with an ARM may give you more flexibility to manage these expenses early on.

Step 5: Example Comparison

Loan Amount: $400,000

Fixed-Rate Mortgage (6%)

  • Monthly Payment: About $2,398

  • Payment remains stable over time

5/1 ARM (5% initial rate)

  • Monthly Payment: About $2,147 for first 5 years

  • After adjustment (example at 7%): about $2,661

Key Insight:

  • If you sell within 5 years, the ARM may save money

  • If you stay longer without refinancing, the fixed-rate may be the safer option

Step 6: Lifestyle and Emotional Factors

Your mortgage should also match your lifestyle:

  • Fixed-rate: Best for peace of mind and long-term stability

  • ARM: Better for flexibility and short-term savings

  • Moving soon? An ARM could be advantageous

  • Planning to stay long-term? Fixed may be more suitable

Step 7: Why Professional Guidance Matters

Working with experienced mortgage professionals can help you:

  • Compare fixed and adjustable scenarios

  • Evaluate your financial situation accurately

  • Understand potential risks and benefits

  • Plan for refinancing opportunities

Expert guidance ensures you choose a mortgage that aligns with your long-term financial strategy.

Final Takeaway

There is no one-size-fits-all answer.

  • Fixed-Rate Mortgage: Best for stability, predictability, and long-term ownership

  • Adjustable-Rate Mortgage: Best for short-term savings and flexibility

Instead of trying to predict the market, focus on what works best for your financial situation today and your future plans.

Take the Next Step With Confidence

Choosing the right mortgage can shape your financial future for years to come.

Visit 👉 https://awesomelowrates.com/buy-a-home/  to explore your options and learn more about today’s mortgage opportunities.

Or schedule a personalized consultation today.

Work with knowledgeable mortgage professionals who can:

  • Compare fixed vs. adjustable-rate options

  • Help assess your financial goals

  • Identify opportunities to save

  • Guide you toward a confident decision

Your mortgage is more than a loan — it’s a long-term financial strategy. Make it count.

Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. NEXA Mortgage is an Equal Opportunity Mortgage Broker/Lender. As a broker, NEXA Mortgage is NOT individually approved by the FHA or HUD, but NEXA Mortgage is allowed to originate FHA loans based on their relationships with FHA approved lenders.

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