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Society Mortgage
zillow
4.9 | 1,221 reviews

Simple FHA Loans With 3.5% Down

Make homeownership simple with flexible FHA loans, 24-hour pre-approvals, and dedicated expert guidance.

  • Minimum credit scores starting at 580+
  • Down payments starting as low as 3.5%
  • Loan pre-approval in as little as 24 hours.
Trusted Mortgage Lending
Equal Housing Lender
NMLS Licensed
Secure SSL Application
FHA Loan Programs
Licensed Professionals

* Loan approval is subject to credit approval, income verification, property eligibility, and underwriting requirements. Not all applicants will qualify.

30+ Years
In the Business

Providing reliable, transparent, and award-winning mortgage guidance since day one.

10,000+
Home Loans Funded

Helping thousands of families secure their homeownership dreams with expert support.

$1B+
In Closed Loans

A proven track record of successful home financing across the nation.

* Based on historical company lending data.
Success Stories

Real Homebuyers. Real Success Stories.

See why buyers trust Society Mortgage for a smoother homeownership journey.

Verified

"Jake Bursteen of Society Mortgage has made my dreams come true I am pre approved for a Loan to buy a house. Now my family and I can have a place to call our own. Thank you Jake Bursteen and Society Mortgage."

JT
Jacenta Thomas
Homeowner
Verified

"Fast approvals and friendly people! Ben is awesome!"

KL
Kelly Liles
Homeowner
Verified

"Working with Ben and Mark and already been pre approved in 24 hours. When everyone else said no these guys made it happen! I can't wait to keep working with this amazing team!"

JA
Judy Archambault
Homeowner
Verified

"I worked with Joshua Dieudonne primarily and he helped me get an amazing deal for my first house he's great at what he does would highly recommend him as an agent."

AT
AJ Thier
Homeowner
Verified

"David Naimey, Jamie Page, and the rest of the Society Mortgage team was able to deliver as promised. Very communicative if not overly communicative, but a good thing! We were impressed..."

SL
Steven Lam
Homeowner
Verified

"David and team could not have been better to work with. Highly recommend them."

RT
Rick Taylor
Homeowner
Verified

"David Naimey was very helpful and made the process quick for me, getting me approved! What seems like it could be a long process they make it fast and easy. Thank you."

CH
Ches
Homeowner
Verified

"I was Blessed to get Mike P. As my Loan officer. He was patient, knowledgeable, and helpful from start to finish. Always answered the phone when I called with a million questions and also helped..."

MM
Michael Martin
Homeowner
Verified

"Got my clear to close yesterday (5/11/26) And all I can say is thank you to my team, Alfredo Amador and Kyle McGinnis. From the very start you guys have answered every question in a very..."

JB
James Billingsley
Homeowner
Verified

"My husband and I had an outstanding experience working with Ben Boyle and Sarah Jackson at Society Mortgage. From start to finish, the entire home loan process was smooth, organized, and stress-free..."

KS
Kim Sturga
Homeowner
* Testimonials reflect individual customer experiences. Results may vary.
Common Hurdles

Facing Challenges Buying Your First Home

Many buyers struggle with finances, approvals, and mortgage requirements.

Low Credit Score

Worried lenders may reject your mortgage application today.

Limited Down Payment

Saving enough money feels difficult and time-consuming today.

Approval Delays

Lengthy approval processes can slow your home search.

Closing Cost Concerns

Unexpected costs create stress during the buying process.

Complex Mortgage Process

Mortgage paperwork often feels confusing and overwhelming initially.

Lack Of Guidance

Finding trustworthy support can be challenging for buyers.

Ready to find out if you qualify for an FHA Loan?

See If I Qualify
Our FHA Solutions

Helping You Achieve Homeownership With Confidence

Flexible FHA solutions make homeownership easier and more accessible.

Financing Power

Smart Financing Solutions

Buy your home without exhausting your entire life savings or waiting decades to build credit.

Flexible Credit Requirements

Qualify easier even with lower credit history scores.

Low Down Payments

Purchase sooner without needing large upfront savings.

Fast Pre-Approvals

Get qualified quickly and start shopping confidently today.

Simple Digital Process

Manage documents securely and track progress effortlessly.

Modern Experience

Fast & Modern Experience

Pre-approve within twenty-four hours and submit documents securely from any device.

Professional Guidance

Professional Guidance

Reduce upfront expenses through seller contributions and receive trustworthy support throughout.

Closing Cost Assistance

Reduce upfront expenses through eligible seller contributions.

Expert Loan Guidance

Receive support from experienced mortgage professionals throughout.

Start Your Home Buying Journey Today

Get pre-approved quickly and move closer to homeownership today.

Get Pre-Approved Today
Start your journey
Why Choose Us

Why Thousands Trust Society Mortgage Experts

Experience reliable service, expert guidance, and faster mortgage approvals.

Fast Loan Approvals - Mortgage approval success

Fast Loan Approvals

Quick decisions help you move forward without delays.

Personalized Expert Support - Mortgage advisor consultation

Personalized Expert Support

Dedicated professionals guide you through every important step.

Flexible Mortgage Options - Home financing discussion

Flexible Mortgage Options

Solutions available for diverse financial situations and needs.

Honest Communication Always - Transparent customer communication

Honest Communication Always

Clear updates ensure transparency throughout your mortgage journey.

Proven Industry Experience - Experienced mortgage professionals

Proven Industry Experience

Decades of lending expertise support better borrower outcomes.

Digital Convenience Tools - Digital mortgage platform

Digital Convenience Tools

Manage applications, documents, and updates from anywhere.

The Society Advantage

Everything Needed For A Smooth Mortgage

Helping buyers secure homes faster with confidence and simplicity.

Expert Mortgage Guidance

Navigate financing rules with absolute clarity and experienced lending support.

Personalized Customer Support

Our advisors adapt to your individual needs and respond transparently at every stage.

Easy Digital Experience

Manage loan applications, upload documents securely, and track approvals on the go.

Local Accessible Assistance

Benefit from experienced experts on the ground who understand your local real estate market.

Our Advantages

Why Buyers Choose Society Mortgage

See how our mortgage solutions compare with typical lenders.

​ Society Mortgage Advantages
​ Typical Competitors
Credit Scores From 580
Higher Credit Requirements
Down Payments From 3.5%
Larger Down Payments Needed
24-Hour Pre-Approvals
Slower Approval Timelines
Personalized Human Support
Automated Generic Service
Flexible Loan Programs
Limited Qualification Options
Nearly 30 Years Experience
Less Industry Experience
Digital Mortgage

Everything You Need Right In Our App

Close up to 50% faster with our online mortgage tools. Manage your home finance journey directly from the palm of your hand.

Scan and upload documents securely

Easily digitize your document files and submit paperwork safely from anywhere.

Chat with your Loan Expert

Message your dedicated lending specialist directly inside the app for guidance.

Get notified as you hit key milestones

Track the mortgage approval stages and receive instant alerts along the way.

Speak to an Expert
Society Mortgage App Showcase
Frequently Asked Questions

Frequently Asked Questions

Find answers to common FHA loan and homebuying questions.

?
What is considered a first-time homebuyer?
A first-time homebuyer is generally defined as someone who has not owned a primary residence in the past three years. Certain programs may also apply this definition to buyers who meet specific eligibility guidelines.
?
What is the minimum down payment for first-time homebuyers?
Many first-time buyers are able to purchase with down payments as low as 3% to 3.5%, depending on the loan program and qualification factors.
?
What credit score is needed to buy a first home?
Credit score requirements vary by loan program and individual borrower profile. Some programs allow buyers to qualify with credit scores beginning in the high-500s, while others may require higher scores.
?
How long does pre-approval take?
Many buyers are able to receive a preliminary pre-approval decision within 24 hours after required information and documentation are submitted.
?
Can gift funds be used for a down payment?
Many mortgage programs allow eligible buyers to use gift funds from approved sources toward their down payment and, in some cases, closing costs.
?
What documents are needed to get pre-approved?
Common documents include proof of income, recent pay stubs, bank statements, tax returns, and identification. Additional documentation may be required depending on individual circumstances.
Get In Touch

Connect With Society Mortgage

Have questions about FHA loans, credit requirements, or the home buying process? Our dedicated specialists are ready to provide clear, honest guidance. Reach out today and move one step closer to homeownership.

Society Mortgage Logo

Society Mortgage has been a leader in home lending for almost 30 year. We pride ourselves on helping our customers close easier and faster, always with a personal touch.

FHA loans are insured by the Federal Housing Administration and offered through approved lenders. Loan approval is subject to underwriting, credit approval, property eligibility, and applicable program guidelines. Not all applicants will qualify.

Loan approval is subject to credit approval, income verification, property eligibility, appraisal, underwriting review, and applicable lending guidelines. Rates, terms, and program availability are subject to change without notice.

Society Mortgage is a registered dba of Consumer Real Estate Finance Co.

© 2026 Society Mortgage. All Rights Reserved.