Smart Homeownership
The FHA Series
Discover the Easiest Way to Buy Your First Home with Legal Support from EV Häs
Opening the Door to Homeownership — Even with Less-than-Perfect Credit
If you're dreaming of homeownership but feel limited by past credit issues or a small savings account, there's a solution built just for you. An FHA loan is a government-backed mortgage program that makes buying your first home more accessible — and EV Häs is here to help you close with confidence.
What Is an FHA Loan?
An FHA loan is a mortgage insured by the Federal Housing Administration, part of the U.S. Department of Housing and Urban Development (HUD). It’s designed to help buyers with moderate income or lower credit scores qualify for financing — even if they’ve been denied by conventional lenders.
Compared to conventional mortgages, FHA loans offer several key advantages:
- Flexible Credit Requirements: Qualify with a credit score as low as 580 — or even 500 with a higher down payment.
- Low Down Payment: Buy your home with as little as 3.5% down, perfect for buyers with limited savings.
- Higher Debt-to-Income (DTI) Allowance: FHA loans allow a more forgiving DTI ratio, making approval easier even with existing debts.
- Fixed Interest Rates for Stability: Enjoy predictable monthly payments with fixed-rate mortgage options — no surprises.
- Leniency for Past Credit Issues: Previous bankruptcies or foreclosures don’t automatically disqualify you after recovery.
- Ideal for First-Time Buyers:
Often combined with down payment assistance programs, making homeownership more accessible.
Who Should Consider an FHA Loan?
First-time
Homebuyers
Lower Credit
Scores
Limited
Savings
Steady
Earners
FHA loans are not exclusive to first-time buyers — they’re for anyone who needs a realistic, secure route to homeownership.
How EV Häs Helps with FHA Closings
Getting approved is just the first step — closing is where your dream becomes real. At EV Häs, we make that part smooth, secure, and stress-free.
Led by Mahmoud Faisal Elkhatib, known as The Bow Tie Attorney, our legal team brings unmatched experience in real estate transactions, litigation, and development.
Here’s what you can expect from us during your FHA loan closing:
- 🔍 Title Review & Buyer Protection: We examine your title to ensure it's clear, clean, and fully compliant. You won’t be surprised by hidden liens or legal snags.
- 🤝 Coordination Between All Parties: We bridge communication between your lender, seller’s attorney, and title company to ensure deadlines are met and documents flow smoothly.
- 📋 FHA Documentation Compliance: We manage every FHA-specific document — including the FHA Amendatory Clause — to prevent small errors from becoming costly delays.
- 🛡️ Prevention of Costly Mistakes: We review every document for accuracy: names, figures, deadlines, and terms. You won’t pay for overlooked mistakes later.
- 🧭 Support for First-Time Buyers: We walk you through every detail, answer every question, and make sure you feel confident, informed, and empowered from start to finish.
- 📆 Deadline & Contract Oversight: We closely track all key dates and contract obligations to make sure nothing slips through the cracks — protecting you from last-minute issues and keeping your closing on schedule.
Meet the Bow Tie Attorney: Mahmoud Faisal Elkhatib
With deep roots in Illinois real estate law, Faisal is more than just your attorney — he’s your advocate. Known for his professional integrity and signature style, Faisal protects every client as if they were family.
Buying a home is emotional. Our job is to make sure it’s also smart.
Talk to Tammie Lester — Your FHA Loan Guide
Wondering if an FHA loan is right for you? Start with a free consultation from Tammie Lester, a knowledgeable and trusted loan consultant:
📞 Call: (630) 677-3556
📧 Email: tlester@loandepot.com
🔗 Learn more: loandepot.com/tlester
Frequently Asked Questions (FAQs)
You’re Closer to Homeownership Than You Think
With an FHA loan and the right legal partner, your dream home is within reach. Let EV Häs and Tammie Lester help you every step of the way — from pre-approval to proud homeowner.
