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FHA
HOME LOAN

eCredable and South Pacific Financial want to help you qualify for an FHA home loan. eCredable uses you monthly bills like rent, utilities, insurance and mobile phone to create a credit report and credit rating that South Pacific Financial can use to qualify you for an FHA Home Loan.

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AMP Credit Score FHA Loan Requirements
Credit Score Minimum Requirement
A-
Applicants with a credit score of A- or better are eligible to apply.
FHA lending requirements vary by state and county. Your actual payment will vary based on your situation and the current interest rates when you apply.

To find FHA lending requirements and rates in your area, click here.

South Pacific Financial Mortgage Branch Locator

South Pacific Financial is currently licensed to extend home loans in these states.

South Pacific Financial Branch Locator

Fixed-Rate and Adjustable-Rate FHA Loans

These are two of the most popular loan types for buying a home. Both options are available for FHA Loans.

South Pacific Financial Graph South Pacific Financial Branch Graph
Fix-rate mortgage Adjustable-rate mortgage
Features Features

  • Your interest rate and monthly principal and interest (P&I) payments remain the same for the life of your loan.

  • Available in a variety of loan term options.

  • You may be able to add extra features such as a temporary buy down.


  • Your interest rate and monthly principal and interest (P&I) payments remain the same for an initial period of 5, 7, or 10 years, then adjust annually.

  • Loans available in a variety of longer terms.

  • Includes an interest rate cap that sets a limit on how high your interest rate can go.

Benefits Benefits

  • Predictable monthly P&I payments allow you to budget more easily.

  • Protection from rising interest rates for the life of the loan, no matter how high interest rates go.

  • May be a good choice if you plan to stay in your home for a long time.


  • Typically ARMs have a lower initial interest rate than on a fixed-rate mortgage.

  • The interest rate cap limits the maximum amount your P&I payment may increase at each interest rate adjustment and over the life of the loan.

  • May provide flexibility if you expect future income growth or if you plan to move or refinance within a few years.

Considerations Considerations

  • The overall interest you pay is higher on a longer-term loan than on a shorter-term loan.

  • On a shorter-term loan, the monthly P&I payment is typically higher than on a longer-term loan.


  • Monthly principal and interest payments may increase when the interest rate adjusts.

  • Your monthly principal and interest payments may change every year after the initial fixed period is over.

APR stands for Annual Percentage Rate.
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