FHA Mortgage Lender in Knoxville

Is An FHA Loan Right for You?

An FHA loan is a type of mortgage loan that is insured by the Federal Housing Administration (FHA). 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.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s, to provide mortgage lenders with adequate insurance, and to help stimulate the housing market by making loans more accessible and affordable.

203K FHA Loans

An FHA 203K loan is a loan backed by the federal government and given to buyers who want to buy a damaged or older home and make repairs to it.

Let’s say you want to buy a home that needs a brand-new bathroom and kitchen. An FHA 203K lender would then give you the money to buy (or refinance) the house plus the money to do the necessary renovations to the kitchen and bathroom.

FHA Refinancing in Knoxville

Refinancing an FHA loan? Looking to save and remove your Private mortgage insurance? We can help with that too. We’ll find the best refinance options for your FHA loan so you can save.

The FHA Loan Process:

  • Connect with John to gather initial information about you
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs
FHA Loans Knoxville

Do I Qualify?

Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. Borrowers who cannot afford a traditional down payment or may not have the credit to qualify for a conventional program benefit the most by getting an affordable home mortgage through the use of FHA.

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Get Pre-Approved

We proudly help customers in Knox County, Hamblen County, Anderson County, Union County, Sevier County, Blount County and more.

Let us help find the right mortgage for you and your family. We'll discuss all of your loan options, what fits best for your budget and for your future plans.

With John Fleming of People's Home Equity, you're guaranteed to be in good hands during the home buying process.

We look forward to hearing from you!

*By submitting a request to be contacted, you agree that Cardinal Financial Company, Limited Partnership may contact you at the telephone number or email address you have provided for purposes of fulfilling this inquiry about mortgage financing, even if you previously registered on a corporate, state, or federal Do Not Call registry or requested Cardinal Financial Company, Limited Partnership not send marketing information to you by use of phone, email or text message. You agree Cardinal Financial Company, Limited Partnership may use automated dialing systems and prerecorded voice messaging in connection with calls or texts made to any telephone number provided even if call or text results in a charge by your provider. Consent to receiving autodialed calls or texts is not required as a condition of purchasing any Cardinal Financial Company, Limited Partnership products or services and you may choose to contact a Loan Originator by calling 1-855-561-4944.