Need Help? Call us now! (408) 599-3628

FREE FHA Loan Pre-Approval

With a FHA loan you could purchase a home for NO money down! Take the first step here by getting pre-approved quickly and easily!

FHA Loans – Low Down Payments, Easy Qualifying

Looking for a way to save money on your San Jose home?

San Jose may be an incredible place to live, but it can be a very expensive one too, and nowhere is that more obvious than the housing market. With many home buyers resorting to jumbo loans just to afford single-family homes, you need all the help you can get. And that’s where San Jose FHA loans come in!

What is an FHA loan? This is a special type of mortgage which is insured by the Federal Housing Administration, an agency that operates as part of the U.S. Department of Housing and Urban Development (HUD). FHA loans protect San Jose mortgage lenders dealing with customers who are deemed risky. That way lenders are more willing to work with those customers instead of leaving them out in the cold.

What are the benefits of FHA loan?

  • Low down payments
  • Easy to qualify for, even without great credit (your score needs to be above 500).
  • Low closing costs

Who qualifies for FHA loans?

  • First-time home buyers. First-time buyers are traditionally seen as risky investments by San Jose lenders, but with the FHA backing you up, you have a chance to purchase your dream home. If you qualify, your down payment could be as low as 3.5% of the total price of the home.
  • Seniors looking for a reverse mortgage. If you are 62 or older and currently live in a home that you own outright or are close to owning outright, you may qualify for an FHA reverse mortgage. This allows you to convert some of your home equity back into cash to pay your other bills.
  • Home owners looking to make improvements. If you have plans to improve the energy efficiency of your home, you may qualify for an FHA Energy-Efficient Mortgage.

FREE FHA LOAN QUALIFIER

Shawn Sidhu works with the top FHA lenders in San Jose, and can help you to get started with an FHA home loan which will suit your needs. While HUD loans like these can be very helpful, they can also be confusing. If you are not sure whether you qualify or not, Shawn can work with you determine whether you do, and also whether the home you want to buy or improve is eligible for the FHA loan.

Ready to get started? You can contact us at (408) 599-3628, or email us at shawn@bma-loans.com. Reach out to us anytime with questions, or ask us for a free quote. We are here to help. We want your home purchase or renovations to go as smoothly as possible. Customer service is our top priority, and we enjoy building long-term relationships with our clients. We look forward to assisting you!

Get Your FREE FHA Loan Quote Now!

I want my FREE FHA Loan Quote

SOME OF OUR SATISFIED CLIENTS

C2 Financial Corporation - Shawn Sidhu
5.0
Based on 106 Reviews
Anne W.
Anne W.
2018-03-30 17:08:26
Sean,I just wanted to let you know that it was a pleasure working with you. It was great to receive your updates so that everyone knew where we were in...
Nanette G.
Nanette G.
2018-03-14 00:18:55
I had recently refinanced my home and had an excellent experience working with Shawn. Shawn at C2 Financial Corporation is very professional and he has...
Prakash A.
Prakash A.
2018-02-15 21:36:29
I've refinanced my home a couple of times, so fairly familiar with the process. Working with Shawn at C2 Financial on my refinance however was pleasantly...
Erik B.
Erik B.
2018-02-08 18:01:21
Another update. I used Shawn on a loan for purchasing a new house. He's streamlined the process even more and it was so easy and quick. I almost didn't...
Cinto S.
Cinto S.
2017-12-04 10:41:01
Shawn is a great mortgage lender who will be there for you till the home closing is done. He is very responsive, transparent, providing great rates. For a...
Syed Ibrahim M.
Syed Ibrahim M.
2017-11-11 18:40:29
I worked with Shawn for getting my pre-approval for our home in east bay area recently. He was referred to me by my realtor. Being first home buyers, Shawn...
Jeremy T.
Jeremy T.
2017-09-24 15:32:57
I recently worked with Shawn in finding and closing on a home in San Jose. He was referred to me by my realtor, and was instrumental in the process. His...
Jana Chow
Jana Chow
19:16 19 Apr 18
My husband and I used Shawn to purchase our first home, and he made the process run smoothly from start to finish. He asked great questions to get a clear picture of what we were looking for, and he gave us a great menu of options to fit our needs and budget. He recommended that we set up a TBD loan, which made our offer stronger, and the escrow process shorter. In hindsight, I think having the TBD loan documentation in hand when we put in our bid was one of the reasons our offer was accepted. Shawn was incredibly professional and communicated well with our real estate agent and every other person involved with the loan underwriting process. He gave us all thorough information and provided us the best loan options available....and we closed in 3 weeks, in the most competitive market in the country! Couldn’t have done this without Shawn.
Anne Walker Citraro
Anne Walker Citraro
00:09 31 Mar 18
Sean,I just wanted to let you know that it was a pleasure working with you. It was great to receive your updates so that everyone knew where we were in the process. The seller's agent was able to keep her client informed, which made us all look good.You and your team performed on time, except for the slight delay by the seller at the end. I never had to bug you about anything. These are all signs of a good mortgage broker who does his job well.
Nanette G
Nanette G
07:16 14 Mar 18
I would highly recommend Shawn at C2 Financial. Shawn provided excellent customer service. He is very professional was great at keeping me informed, step by step on the refinance process. Thank you😊
Julie&Ramon LeFrancois
Julie&Ramon LeFrancois
07:29 09 Dec 17
Shawn & his team got us pre approved at an excellent rate. When we went into contract he quickly and efficiently got our loan processed and easily had us ready to close in under 21 days. Shawn was alway ahead of the game. Highly recommended.
Andy K
Andy K
04:10 08 Dec 17
Shawn was referred to me by a friend to manage my mortgage loan life cycle from start to finish. I had an excellent experience with Shawn and his staff. It was easy. They were quick and effective at resolving issues and helpful in clarifying all of my questions and concerns. Shawn was professional, result oriented and focused while guiding me through my home purchasing process, helping me achieve the best possible outcome. I will recommend Shawn and his crew to my friends in the future. Shawn is simply excellent.
Cinto Sunny
Cinto Sunny
18:33 06 Dec 17
Shawn is a great mortgage lender who will be there for you till the home closing is done. He is very responsive, transparent, providing great rates. For a first time buyer like me, it was really important that I had somebody to help me out with all the doubts regarding loan escrow etc. and Shawn would always reply promptly and patiently. He made the whole home buying process a breeze. I would recommend Shawn for any mortgage brokering needs.
Mike Ramos
Mike Ramos
21:09 02 Oct 17
Communication communication communication has been top notch with Shawn. Through out the process Shawn was always quick to respond to any inquires or questions needed. Even when he was in another appointment he promptly let me know that he would get back right away. He actually did everything faster than what he promised. One of the best parts about his was his status updates. He did a very good job on keeping the buyers, sellers, selling agent, and listing agent informed to where everything was in the process. Transparency is key, and he did the best job at it. Shawn is one of the best and I wouldn't hesitate to recommend him and his services.
See All Reviews

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For assistance in choosing the right loan program for your unique situation.

Feel free to call Loan Application (408) 599-3628

SOME OF OUR SATISFIED CLIENTS

C2 Financial Corporation - Shawn Sidhu
5.0
Based on 106 Reviews
Anne W.
Anne W.
2018-03-30 17:08:26
Sean,I just wanted to let you know that it was a pleasure working with you. It was great to receive your updates so that everyone knew where we were in...
Nanette G.
Nanette G.
2018-03-14 00:18:55
I had recently refinanced my home and had an excellent experience working with Shawn. Shawn at C2 Financial Corporation is very professional and he has...
Prakash A.
Prakash A.
2018-02-15 21:36:29
I've refinanced my home a couple of times, so fairly familiar with the process. Working with Shawn at C2 Financial on my refinance however was pleasantly...
Erik B.
Erik B.
2018-02-08 18:01:21
Another update. I used Shawn on a loan for purchasing a new house. He's streamlined the process even more and it was so easy and quick. I almost didn't...
Cinto S.
Cinto S.
2017-12-04 10:41:01
Shawn is a great mortgage lender who will be there for you till the home closing is done. He is very responsive, transparent, providing great rates. For a...
Syed Ibrahim M.
Syed Ibrahim M.
2017-11-11 18:40:29
I worked with Shawn for getting my pre-approval for our home in east bay area recently. He was referred to me by my realtor. Being first home buyers, Shawn...
Jeremy T.
Jeremy T.
2017-09-24 15:32:57
I recently worked with Shawn in finding and closing on a home in San Jose. He was referred to me by my realtor, and was instrumental in the process. His...
Jana Chow
Jana Chow
19:16 19 Apr 18
My husband and I used Shawn to purchase our first home, and he made the process run smoothly from start to finish. He asked great questions to get a clear picture of what we were looking for, and he gave us a great menu of options to fit our needs and budget. He recommended that we set up a TBD loan, which made our offer stronger, and the escrow process shorter. In hindsight, I think having the TBD loan documentation in hand when we put in our bid was one of the reasons our offer was accepted. Shawn was incredibly professional and communicated well with our real estate agent and every other person involved with the loan underwriting process. He gave us all thorough information and provided us the best loan options available....and we closed in 3 weeks, in the most competitive market in the country! Couldn’t have done this without Shawn.
Anne Walker Citraro
Anne Walker Citraro
00:09 31 Mar 18
Sean,I just wanted to let you know that it was a pleasure working with you. It was great to receive your updates so that everyone knew where we were in the process. The seller's agent was able to keep her client informed, which made us all look good.You and your team performed on time, except for the slight delay by the seller at the end. I never had to bug you about anything. These are all signs of a good mortgage broker who does his job well.
Nanette G
Nanette G
07:16 14 Mar 18
I would highly recommend Shawn at C2 Financial. Shawn provided excellent customer service. He is very professional was great at keeping me informed, step by step on the refinance process. Thank you😊
Julie&Ramon LeFrancois
Julie&Ramon LeFrancois
07:29 09 Dec 17
Shawn & his team got us pre approved at an excellent rate. When we went into contract he quickly and efficiently got our loan processed and easily had us ready to close in under 21 days. Shawn was alway ahead of the game. Highly recommended.
Andy K
Andy K
04:10 08 Dec 17
Shawn was referred to me by a friend to manage my mortgage loan life cycle from start to finish. I had an excellent experience with Shawn and his staff. It was easy. They were quick and effective at resolving issues and helpful in clarifying all of my questions and concerns. Shawn was professional, result oriented and focused while guiding me through my home purchasing process, helping me achieve the best possible outcome. I will recommend Shawn and his crew to my friends in the future. Shawn is simply excellent.
Cinto Sunny
Cinto Sunny
18:33 06 Dec 17
Shawn is a great mortgage lender who will be there for you till the home closing is done. He is very responsive, transparent, providing great rates. For a first time buyer like me, it was really important that I had somebody to help me out with all the doubts regarding loan escrow etc. and Shawn would always reply promptly and patiently. He made the whole home buying process a breeze. I would recommend Shawn for any mortgage brokering needs.
Mike Ramos
Mike Ramos
21:09 02 Oct 17
Communication communication communication has been top notch with Shawn. Through out the process Shawn was always quick to respond to any inquires or questions needed. Even when he was in another appointment he promptly let me know that he would get back right away. He actually did everything faster than what he promised. One of the best parts about his was his status updates. He did a very good job on keeping the buyers, sellers, selling agent, and listing agent informed to where everything was in the process. Transparency is key, and he did the best job at it. Shawn is one of the best and I wouldn't hesitate to recommend him and his services.
See All Reviews