My name is Xavier Ramirez with Amerisave Mortgage. FHA is based on common sense underwriting and is not credit score driven. If you have lower scores because of high debt or medical expenses, give me a call and use my nearly 10 years in the mortgage finance for your benefit.

You must have paid your mortgage on time (no 30 days plus past due) for the last couple of years.

This is a great loan as there is no increase to the rate for high loan size compared to the value of the house, no increase to the rate for cash out up to 95% of the value of the house, no rate increase for lower credit score, no increase to the mortgage insurance for either of those scenarios either!

FHA rates are very competitive to conventional 30-yr rates without the rate hikes!

Let's get it done today!

Xavier Ramirez

Direct: 714-369-8824