FHA loans from The 2 Mortgage Guys at Luminate Bank. 3.5% down, gift funds, credit from 580, and Kokomo-based lending nationwide.
Flexible financing for first-time buyers and those with lower credit scores. Down payments as low as 3.5%.
FHA loans are insured by the Federal Housing Administration, making them accessible to borrowers who might not qualify for conventional financing.
Eligibility Guide
Credit, gift funds, employment, student loans, DTI, and property standards — here are the key factors that determine whether you qualify for an FHA loan with The 2 Mortgage Guys.
Quick FHA Snapshot
See what your monthly payment could look like with an FHA loan. Includes principal, interest, taxes, insurance, and FHA mortgage insurance.
$ down
LTV: %
Estimated Monthly Payment
This calculator is for informational purposes only. Results are estimates and are not exact — they do not include all closing costs, prepaid interest, or escrow deposits. Contact us for a personalized quote.
Renovation Financing
Found a fixer-upper? Buy and renovate with one FHA loan — as little as 3.5% down. Standard for major work or Limited Streamline for updates up to $75,000.
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Mortgage Knowledge Center
Straight answers to the questions buyers ask us most — from down payments and MIP to credit, multi-unit properties, and refinancing.
Let The 2 Mortgage Guys find the best FHA loan for your situation.