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FFA Financial Group

Home & Insurance

Still paying rent? Move toward a home of your own

If a traditional mortgage has been hard to get, Home & Insurance from FFA Financial Group is an alternative that lets you choose a home based on what you can afford and keep your rights to the equity you build over time.

  • Minimum down payment from 3.5%, subject to program requirements
  • Considers certain ITIN buyers as well as self-employed and 1099 workers
  • Minimum qualifying credit score of 580, with exceptions considered case by case
  • Over 50 insurance partners
  • Spanish-speaking service
  • Advice at no cost or obligation

Let's review your situation

Answer a few quick questions and an FFA advisor will explain the process, at no cost or obligation.

By submitting this form, you authorize an FFA Financial Group advisor to contact you. We do not share your information with third parties.

Home & Insurance is subject to qualification and program requirements. This page is for informational purposes only and is not an offer or a credit approval; applicable terms are explained during the review of your situation.

We compare options from over 50 insurers

  • Corebridge Financial
  • UnitedHealthcare
  • Mutual of Omaha
  • Allianz
  • Prudential
  • American National
What we offer

An alternative built for real-life situations

Not every buyer fits the traditional mortgage mold. Home & Insurance looks at your full situation before ruling out options.

Down payment from 3.5%

You don't need to save 20% to get started: the minimum down payment can start at 3.5% of the property's value, subject to qualification.

You choose the home

Choose your home based on what you can afford, with support from your real estate agent.

The equity is yours

Keep your rights to the equity you build as you move toward owning your home.

Options with an ITIN

Eligibility requirements consider certain ITIN buyers. Your documentation does not automatically rule you out.

Self-employed income

Guidelines include self-employed income, 1099 contractors, and, in some cases, income documented with bank statements.

Credit from 580

The minimum qualifying credit score is 580, and some cases below 580 or with no credit score may be reviewed as an exception.

How it works

How we move forward together

First we get to know your situation; then we clearly explain which requirements apply and what documents you would need.

  1. 1

    Share your information

    Answer a few quick questions about your current housing, income, and credit. It doesn't affect your credit score.

  2. 2

    We confirm your information

    Our team calls you to confirm your details and the best time to talk with an advisor.

  3. 3

    We review your situation

    An FFA advisor reviews your situation and explains the process and the documents you would need.

  4. 4

    You choose your home

    If you qualify, you shop for a home with support from your real estate agent, based on what you can afford.

Home & Insurance is designed for people who think buying a home is out of reach

Families who have been renting for years
If you feel the home you live in will never be yours, it's worth checking whether this alternative could work for you.
Self-employed and 1099 workers
Earning income differently from a traditional employee doesn't mean you have to rule out your options.
ITIN buyers or buyers with credit to improve
Beyond credit, we also review your income, housing history, reserves, and documentation.

Frequently asked questions

Clear answers before you make a decision.

Can't find what you need? Talk to an advisor

Can't find what you need? Talk to an advisor

Take the next step today

A licensed advisor guides you at no cost or obligation. Tell us what you need and we'll design a plan for you.

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