FHA Loans

Saving for a large down payment for your first home is hard. PenAir can help make home buying possible even when you haven’t been able to stow away a big chunk of change.

Building up great credit takes time, but you may not be able to wait any longer. PenAir mortgages are more flexible for those with less than perfect credit scores.

Just because your debt-to-income ratio is on the higher side doesn’t mean you can’t qualify for a home loan with PenAir. We’ll work with you and provide expert advice to get you where you need to be.

Review your mortgage choices, play around with PenAir’s mortgage calculators, and even contact a PenAir Mortgage Expert to find the best option for you.

It’s a lot easier than you think. Our online loan application is a fast and easy way to get your mortgage loan process started.

We provide secure online and offline options to send required documents to our underwriters. We know this is the boring part, but our Mortgage Team will make it as easy as possible.

This step lets you know what your approvable purchase and finance amount is, plus the rate and potential monthly payment for that amount. Let the house hunt begin.

If you are refinancing, this step can take place right after pre-approval. For a home purchase, the loan will move toward closing once you have had an offer accepted and the property details are submitted to our team.

Once we have the required property information in hand and other document requirements have been met, we can generate the final loan documents for review before setting a closing date.

Now for the fun part. Once a closing date is set, loan documents will be delivered to the closing agent for signing and financial transactions will be coordinated to complete the process. And just like that — you’re home.