Apply Now!

FHA loans in St. Louis feature no income limits, low down payments, and are insured by the Federal Housing Administration. For some single-family homeowners, down payments may be as low as 3.5%. Federal Housing Administration loans are becoming increasingly popular and are an attractive option for first-time home buyers.

Why Choose An FHA Loan?

While they are commonly associated with first-time buyers, St. Louis FHA loans are also available to borrowers who have previously owned a home. FHA loans have less strict criteria than traditional home loans, making them an attractive option to those with some historical credit problems or less traditional credit.

FICO scores are evaluated in 98% of cases. Minimum credit scores vary depending on the type of loan, but for a mortgage with a down payment as low as 3.5%, the borrower will need a minimum credit score of 580. Those with lower scores should contact a loan originator to discuss their options.

American Equity Mortgage FHA Loans

With more than 25 years of experience in the St. Louis market, American Equity Mortgage has the local experience to help you get to a better place. Our loan originators live and work in St. Louis, giving them a unique perspective on St. Louis FHA loan opportunities.

American Equity Mortgage in St. Louis serves surrounding metro areas that include: Mehlville, Maryland Heights, Cahokia, Brentwood, Chesterfield, Florissant, St. Charles, High Ridge, and O'Fallon. If you believe an FHA loan in St. Louis is right for you, contact a Loan Originator today.

American Equity Mortgage
11933 Westline Industrial Drive
St. Louis, MO 63146
Phone: 314.878.9999

Hours of Operation
Monday - Friday 8:30 am - 5:00 pm

Real People. Real Stories. Get to a Better Place...


"My Mortgage Consultant was very professional and knowledgeable. He answered all my questions, returned my calls and made sure the closing went quickly. I highly recommend American Equity Mortgage."

Susan, St. Louis

"The best experience with a real estate company, ever. The staff was very professional, always on time and they did what they said they would do. They were up front with all the needed information. No hidden agendas."

Cramon, St. Louis

"Great job. I am happy and I now feel safe with a fixed rate on my mortgage."

Lexa & Donna, St. Louis