FHA Loans

Reach Your Homeownership Goals With an FHA Loan by United Teletech Financial

"We can't afford the down payment on a new home."

"Our credit scores are lower than average; we can't get a mortgage loan."

"We'll never be able to finance a home."

Do these statements sound familiar? With less than perfect finances, it's easy to believe that finding a new home for your family is impossible. It isn't. United Teletech Financial is in the business of helping families reach their financial goals.

Looking for a new home for you and your family? Let's get there with an FHA loan.

FHA Loans by United Teletech Financial

Our FHA or Federal Housing Administration loans have helped hundreds of families finance their new homes since 1934. Federally insured, these loans offered at competitive rates are a great choice for both first-time buyers and existing homeowners wanting to upgrade quickly*.

  • Low down payment requirements: With our FHA loans, you can obtain a mortgage with a down payment as low as 3.5% of the purchase price of your new home. There's no need to wait years to save. It's time to move in and start building equity.
  • Low credit score requirements: Low credit score? No problem. It's easy to qualify for an FHA loan, even with a less-than-perfect score.

UTF works with homeowners inside New Jersey and across the United States. As a not-for-profit financial institution, you must be a member with us prior to receiving your mortgage loan. Becoming a member is easy—simply open an account.

Guiding You Through Financing, One Step at a Time

Our mission is to help you reach your financial goals, one step at a time. Going through the complex mortgage process is hard, but you don't have to do it alone. Our professional mortgage team assists you through the entire process, from loan approval to closing.

As part of our dedication to financial counseling, we'll ensure an FHA loan is the best choice for you and your family. We'll answer your questions, dissolve your concerns and celebrate with you when you receive the keys to your new home.

Renting vs. Buying

Are you a first-time homeowner, weighing the options between renting and buying? The financial difference over time might surprise you. Use our free rent vs. buy calculator to see what you might save by purchasing your new home.

First-Time Buyer? Current Homeowner Looking to Upgrade? Give Us a Call.

Whether you're new to the mortgage process or you've moved more times than you can count, we're here to help. To get started on your approval, reach out to our mortgage team by calling 866-462-5532.

* We'd Like You To Know: Available to qualified borrowers. Other restrictions apply. Applies to single family homes, 1 and 2 unit properties, and FHA approved condominiums and town homes. Property must be owner occupied.  Subject to underwriting guidelines.  Visit utfinancial.org, or call 866-462-5532 option 3 and speak to a mortgage loan officer for additional details.