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West Ridge Financial

Flexible credit · Loan guide

FHA loans.A clear path home.

A government-insured option with a low down payment and more flexible credit guidelines.

Get my FHA loan quote Estimate what you can afford
  • PurchaseYour first home or your next
  • RefinanceExplore a better fit
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  • Personal serviceDirect to Mike and the team

The essentials

How this loan works.

FHA loans are insured by the Federal Housing Administration, which lets lenders be more flexible on credit. With a credit score of 580 or higher, the minimum down payment is 3.5%, and gift funds from family can often be used. FHA loans are for a home you’ll live in.

The cost of that flexibility is mortgage insurance: an upfront premium plus an annual premium. With less than 10% down, the annual premium typically lasts for the life of the loan unless you later refinance. If your credit is strong, Mike will compare FHA against conventional so you can see which costs less over time.

Estimate what you can afford
Mike Larsen, founder of West Ridge Financial

Personal from the start

Your questions.
A real conversation.

You don’t need to have it all figured out. Tell Mike what you have in mind, and explore the options together.

(801) 971-3956

Program availability, terms, and eligibility depend on the lender, the property, and your complete application. This overview is general education, not a commitment to lend.