FHA Home Loans for Easier Homeownership

Adam Buttermore | Houston Loan Officer & Mortgage Lender | Licensed in TX, IN, FL & TN

Adam Buttermore is a Houston-based mortgage lender with 20+ years of experience helping homebuyers, refinancers, and investors secure the right loan with confidence.

At Adam Closes, we believe everyone deserves a clear path to homeownership — and FHA loans make that possible. Backed by the Federal Housing Administration, these loans are designed for buyers who may not have perfect credit or large savings for a down payment. With lower barriers to entry and flexible qualification guidelines, FHA loans open the door to thousands of families each year.

Whether you’re a first-time homebuyer or returning to the market, our team helps you understand every detail of your loan options, ensuring you feel confident before, during, and after closing. FHA loans offer competitive fixed rates, low down payments, and a smoother qualification process — making them one of the most trusted ways to achieve homeownership. With Adam’s 20+ years of experience, you’ll get honest guidance, fast approvals, and a stress-free mortgage experience built around your goals.

Why an FHA Loan Might Be Right for You

FHA loans are designed to help more families become homeowners through flexible credit requirements, lower down payments, and government-backed security that gives buyers both confidence and peace of mind.

Low Down Payments
Buy your home with as little as 3.5% down, making it easier to get started.
Flexible Credit Requirements
Perfect for buyers rebuilding or establishing credit history.
Competitive Fixed Rates
Enjoy predictable monthly payments with fair, stable interest rates.
Government-Backed Protection
FHA loans provide added security for both buyers and lenders, ensuring a smooth path to closing.
FHA loans are ideal for first-time buyers or anyone seeking a more accessible, affordable way to purchase their next home with confidence and support.

What to Expect from Our FHA Loan Process

 

We make the FHA loan process smooth and straightforward — from pre-qualification and documentation to closing day, you’ll have clear updates and expert guidance every step of the way.

Quick Welcome Call

We start with a quick introductory call to understand your goals and answer your questions.

Complete our secure online application and upload your documents at your convenience.

We run a soft credit check with no impact on your score and issue a pre-qualification if possible.

With pre-qualification in hand, you can shop confidently and get your home under contract.

Once under contract, we work quickly to close your home, usually within 30 days.

Want to Know What Loan Option Is Right for You?

 

Your home financing deserves clarity, confidence, and a team who puts your needs first. Whether you’re a first-time buyer or returning homeowner, Adam delivers fast approvals, honest communication, and local expertise you can trust.

With over 20 years of experience, Adam and his team make FHA financing simple and stress-free. Call today or fill out the quick form below to start your pre-qualification — the first step toward your new home starts here.

Frequently Asked Questions

What is the minimum credit score required for 3.5% down on an FHA loan?
FHA guidelines allow borrowers with a credit score of 580 or higher to qualify for the 3.5% down payment option. Some lenders may have slightly higher internal requirements. FHA is often a strong option for borrowers rebuilding credit.
For most FHA loans with less than 10% down, mortgage insurance remains for the life of the loan. If you put 10% or more down, MIP typically lasts 11 years. Many homeowners refinance into a conventional loan to eliminate FHA mortgage insurance later.
Yes, FHA loans can be used to purchase properties with up to four units, provided the borrower occupies one of the units as a primary residence. This makes FHA popular for first-time buyers interested in house hacking.
An FHA streamline refinance allows existing FHA borrowers to lower their rate with minimal documentation and no appraisal in many cases. The primary requirement is that the refinance provides a tangible financial benefit, such as reduced monthly payments.

Find out your home loan options today

apply now