WE ARE AN EQUAL HOUSING LENDER, offering a range of services including downpayment assistance, manufactured home financing, and veterans home loans.

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    • WKirk Mortgage Group
    • Purchase
    • Refinance
    • HELOC
    • Loan Programs
      • FHA
      • VA
      • FHA 203K
      • USDA
    • Resources
    • FAQ
    • Blog
    • Contact
    • About

  • WKirk Mortgage Group
  • Purchase
  • Refinance
  • HELOC
  • Loan Programs
    • FHA
    • VA
    • FHA 203K
    • USDA
  • Resources
  • FAQ
  • Blog
  • Contact
  • About

your first home is closer than you think

FHA Loans Make Buying a Home Easier—With Low Down-Payments and Flexible Credit Options.

What’s an FHA Loan?

An FHA mortgage is designed to help first-time buyers like you step into homeownership without the barriers of huge down payments or perfect credit. Backed by the Federal Housing Administration, it’s one of the most accessible paths to owning a home.


Why First-Time Buyers Choose FHA


  • Low down payment – as little as 3.5%
     
  • Flexible credit guidelines – less pressure if your score isn’t perfect
     
  • Affordable monthly payments – built to fit your budget
     

You’re Not Alone in the Process


We guide you every step of the way, answering questions, explaining options, and making sure you feel confident from application to closing.


Start your journey today.
Click below to see what you qualify for—no obligation, just clear answers.

Do I Qualify

 Home loans provided by the Federal Housing Administration (FHA) may make it easier for you to buy a home. For an FHA loan low down payments are available. 

apply/prequalify online now
Apply/prequalify online nowBook a Consultation
  • WKirk Mortgage Group
  • Purchase
  • Refinance
  • HELOC
  • FHA
  • VA
  • FHA 203K
  • USDA
  • Resources
  • FAQ
  • Privacy
  • Blog
  • Contact
  • About

WKirk Mortgage Group - Alabama and Ohio Licensed

Werdell Kirk, NMLS #1154446

WE ARE AN EQUAL HOUSING LENDER

Copyright © 2025 WKirk Mortgage Group - All Rights Reserved.


NEXA Mortgage, LLC

5559 S Sossaman Road

Bldg 1, Ste 101 

Mesa, AZ 85212 

Corporate NMLS #1660690


All product names, logos, and brands are property of their respective owners. 


This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.



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