First Time Homebuyer

FHA loans are an attractive option, especially for first-time homeowners in Salina, as well as all of Kansas, because it is insured by the Federal Housing Administration (FHA). Primarily, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments. Typically the borrower can be approved with 3.5% down vs 20% that is required on other loan programs.

Benefits of being a First-Time Home Buyer

There are many benefits to FHA Loans beyond just a lower down payment.

Rent vs Buy

Why should you consider getting a mortgage in Salina, KS.

What Type of Loans do I qualify for?

FHA Loans have more flexible requirements than a traditional conventional mortgage.

Down-payment options

Low Down Payment Financing


What do you need to qualify?

Challenged credit

Have challenged credit? We can help you

Get Pre-Approved

If you are a first time home buyer, or simply seeking a lower down payment in Salina, or anywhere in Kansas, contact The Mortgage Company at (785) 825-8100 for more information, or fill out the form on this page.