Government-backed financing with 3.5% down and flexible credit guidelines — priced at wholesale so you’re not paying a bank’s markup on top.
Every program is built for a specific borrower. Here’s where this one tends to be the right call.
You haven’t owned in three years or haven’t owned at all. FHA’s lower down payment and flexible guidelines exist specifically for this situation.
Your score is in the 580–680 range and conventional pricing is punishing you. FHA often offers better total-cost terms at lower credit tiers.
You have equity in your current home but limited cash reserves. FHA’s low down payment requirement lets you preserve liquidity while still moving up.
One point of contact, start to finish. Here’s what working with Manor looks like.
We run your credit profile and loan scenario across our FHA wholesale lenders — surfacing the best MIP structure and rate for your situation.
W-2s, tax returns, pay stubs, and bank statements. FHA requires 2 years of employment history — we’ll walk you through exactly what’s needed.
FHA underwriting is thorough — appraisal with minimum property standards, income verification, and reserve check. We manage the process proactively.
CD 3 days prior. Your loan officer walks you through every line so there are no surprises at the signing table.
FHA vs. conventional is a math problem. Your loan officer will run both and show you which one costs less over your expected hold time.
Expect a response within one business day. Or reach out directly at dru@manorhomes.co
Every program is built for a different scenario. Browse the others below.