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