Why Choose Axen Mortgage for Your FHA Loan?

Not all FHA lenders are the same — and that difference can determine whether you’re approved or denied.

FHA sets the minimum guidelines for qualifying, but many lenders add their own extra rules on top of FHA’s requirements. These added restrictions—often called lender overlays—can make it far harder to qualify than FHA ever intended.

At Axen Mortgage, we take a different approach.

We work from the true FHA guidelines, not unnecessary overlays. That means:

More flexible approvals

Fewer surprise denials

Clear explanations instead of confusing “no’s”

A lender who knows how FHA loans are supposed to work

Our job isn’t to make FHA loans harder—it’s to make them work for you.

We Offer the Full Spectrum of FHA Loan Programs

Axen Mortgage doesn’t just offer “one version” of FHA financing. We provide the complete lineup of FHA loan options, matched carefully to your situation.

FHA 203(b) – Standard Purchase Loan

The most common FHA mortgage, designed for purchasing a primary residence.

Minimum 3.5% down payment

Flexible credit guidelines

Competitive fixed-rate options

Ideal for first-time buyers and repeat buyers alike.

FHA 203(k) – Renovation & Improvement Loan

Buy a home and finance renovations with one loan.

Combine purchase price + repair costs

Great for fixer-uppers

One closing, one monthly payment

Perfect for buyers who see potential where others see problems.

FHA Energy Efficient Mortgage (EEM)

Upgrade your home while lowering long-term utility costs.

Finance energy-efficient improvements

Roll upgrades into your FHA loan

No separate financing needed

A smart option for buyers who think long-term.

FHA HECM (Reverse Mortgage)

Designed for homeowners 62 and older who want to access home equity.

Convert equity into cash

No monthly mortgage payments required

Stay in your home

Handled with care, transparency, and education—not pressure.

FHA Section 245(a) – Graduated Payment Mortgage

Built for borrowers who expect their income to rise over time.

Lower initial monthly payments

Gradual payment increases

Easier entry into homeownership

A strategic option when future earning potential is strong.

FHA Loans Are About Access — Axen Mortgage Keeps Them That Way

FHA loans were created to make homeownership possible for more people—not to bury borrowers in red tape.

These programs are especially powerful for:

First-time homebuyers

Buyers with limited down payment funds

Borrowers rebuilding credit

Families seeking flexible qualification options

At Axen Mortgage, we understand the intent behind FHA lending—and we structure loans accordingly.

The Axen Mortgage Difference

✔ Fewer overlays than most lenders
✔ Full FHA product availability
✔ Clear guidance, not automated denials
✔ Personalized strategy—not one-size-fits-all
✔ FHA expertise from application to closing

Whether you’re buying your first home, renovating a property, or planning ahead financially, Axen Mortgage helps FHA loans work the way they were meant to.

Ready to See If FHA Is Right for You?

Let’s review your goals, your credit profile, and your options—without unnecessary obstacles.

👉 Apply today or schedule a consultation with Axen Mortgage.