FHA | First Time Buyer Loans

Smart Families Trust Zeus™

If you’re eligible for these government-backed loans, you can purchase a home with more flexible qualification requirements. Talk with our Lending Specialist to see if one of these loan options are right for you.

Zeus FHA & USDA Loan Advantages:

  • It’s popular with many first-time home buyers because the approval guidelines are more flexible: lower credit score requirement (580) and higher debt-to-income ratio (DTI) than conventional mortgages
  • You can make down payments as low as 3.5%
  • Mortgage insurance is required. However, if you made a down payment of 10% or more, you can have those insurance premiums canceled after 11 years
  • You can list a relative as a non-occupant co-borrower. A blended DTI can help you qualify
  • You can use FHA loans to purchase multi-unit properties and show the rents as income as long as you live in one of the units
  • These loans are eligible for streamline refinances, which make refinancing the loan cheaper and easier
  • Higher gifts and seller concessions are allowed, which means even less cash to close is needed
  • Buying a home in the country? A USDA loan may be a good, zero-down-payment option for you if you’re not a veteran

Zeus Mortgage Loans Are The Right Solution

Our Loan Specialists at ZeusLending.com will help you evaluate all your choices. We’re experts at finding you the best options and values.

100% Satisfaction–Our Extreme Guarantee

The Super-Simple Application™ takes fewer than 3 minutes to complete. A knowledgeable Loan Specialist will contact you right away, help you with any questions, and assist you in making the best choice. There’s no obligation on your part. The only obligation is our obligation to ensure you are 100% satisfied with our service

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Documents Needed For All Loans:

  • A copy of your current Drivers License and Social Security Card
  • Most recent 30 days worth of pay stubs
  • Most recent 60 days worth of bank statements. (If using retirement funds, please provide terms and conditions of withdrawal)
  • Most recent 2 years W-2’s (please provide signed and dated Year-To-Date Profit and Loss statements if self-employed)
  • Most recent 2 years IRS tax returns (both personal and business, all pages, all schedules please)



Additional Documents if Purchasing a Home:

  • Copy of the fully executed purchase contract (signed by all parties)
  • A copy of the cleared earnest money check or money order
  • Copy of your option money check
  • Homeowner’s Insurance Company contact information