A government-backed route with a smaller down payment.

FHA loans with a 3.5% down option, 580+ credit guidance, and gift-fund rules — explained plainly, with the mortgage insurance costs shown up front.

Jayda Matekovic, Senior Loan Officer

Peak Capital Mortgage LLC

Phone: (970) 235-8165

Email: [email protected]

NMLS# 196133

Company NMLS# 2347925

Licensed in: AL, AZ, CO, ID, KS, MI, LA, MT, NM, SD, TX, WY

NMLS #196133 - Company NMLS #2347925 Equal Housing Opportunity Jayda Matekovic | NMLS 196133 | Peak Capital Mortgage, LLC | NMLS# 2347925 | NMLS Consumer Access Peak Capital Mortgage is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or any other protected class. Texas Consumers: How to file a complaint: Go to www.sml.texas.gov or call (877) 276-5550. The MORTGAGE COMPANY RECOVERY FUND: If you have a complaint regarding mortgage company services, you may submit a formal complaint to the Texas Department of Savings and Mortgage Lending. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. All loans subject to credit approval. Licensed in AL, AZ, CO, ID, KS, LA, MI, MT, NM, SD, TX, and WY. NMLS 196133 License: AL, AZ, CO, ID, KS, LA, MI, MT, NM, SD, TX, WY | AZ LO-2013289 | CO 100012793 | ID MLO-2080196133 | KS LO0053986 | WY 6708 Not an offer to lend. Subject to credit approval.

FHA Loans

FHA loans with a 3.5% down option, 580+ credit guidance, and gift-fund rules — explained plainly, with the mortgage insurance costs shown up front.

A government-backed route with a smaller down payment.

Flexible on the cash and the credit, clear on the costs.

What an FHA file needs.

Four steady steps.

The practical details, made plain.

Want to see the FHA numbers?

Loan Programs → FHA

FHA loans are insured by the Federal Housing Administration and built for buyers who need a lower down payment or have a credit profile that calls for more flexibility. I walk through the costs, the mortgage insurance, and the property rules before you fall for a house.

Why buyers choose it

FHA can open the door when savings or credit history are the main obstacles. The tradeoff is mortgage insurance, so I show the full monthly cost next to the alternatives.

The checklist

The sequence

FHA questions

Share your target price and available cash. I’ll show FHA side by side with other options, including the mortgage insurance over the years you expect to stay.

Steady purchase, second-home, and refinance lending for small hometowns and mountain towns — and the families moving toward them.

Explore

Programs

Contact

Mon–Fri 8–6 · Sat 9–1 ET

NMLS 196133 | Peak Capital Mortgage, LLC | NMLS# 2347925 | NMLS Consumer Access

Peak Capital Mortgage is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or any other protected class.

This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. All loans subject to credit approval. Licensed in AL, AZ, CO, ID, KS, LA, MI, MT, NM, SD, TX, and WY.

Peak Capital Mortgage is not affiliated with or acting on behalf of the VA, FHA, HUD, USDA, or any government agency.

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