Our goal is to help you achieve homeownership.

Schedule a free, casual call with our mortgage expert to go over the best mortgage options for your unique personal situation.

Book Call
Loan Type Spotlight:

FHA Loans

In today’s tough real estate market, any financial advantage you find can make a big difference. Therefore, it is really important to understand what your best options are. When it comes to mortgages, FHA loans are an amazing option for those who are eligible. FHA loans are government-backed mortgages that help first time homebuyers secure properties without having to cover huge down payments. FHA loans are typically available to those with lower credit scores, and the required downpayment is only 3.5% versus 10% or more with traditional mortgage loans!

To qualify for an FHA loan, you must have a:

500–579 FICO score for a 10% down payment

580 FICO score for a 3.5% down payment

38–57% debt-to-income (DTI), depending on your credit score

Loan Officer

Mike Scimeca


As a respected lending organization for over 20 years, I understand that different needs require different solutions. At Greentree, I treat each loan uniquely, and do not promote “cookie cutter” or “one size fits all” products. Our customers have shown us that this personal attention gives them the trust, confidence, and flexibility needed to improve their financial future.

At Greentree, I understand that your mortgage is one of the biggest investments you will ever make. An investment in a home is an investment in the future of you and your family. But this exciting time can also have its challenges. With dozens of loan types and arrangements, it can be a challenge to understand which option is best for you. Let our mortgage counselors assist you to help make your dream come true. Let us break down the different loan types, help you understand your credit report and how best to react to it, and answer any other questions you may have. How can you maximize your investment? How can you save on taxes? How can you transform your debt into something that is manageable and invisible? These are questions our mortgage counselors have answered time and time again.

I can do the math for you. Let us help you find the best loan solution for you and your family. Now that you’ve found your solution, let us help you fulfill the dream.

Overall, my goal is to make the process as easy and stress-free as possible. I always go the extra mile to hold my clients hand through every step of the process and make sure to provide 100 percent of the information up-front.

NMLS ID #2006655

- Conventional


- VA


- FHA 203k (renovation loan)

- ITIN loans

- Bank Statement loans



Select a Date and Time for your Free Consultation!



Important Note!

Unfortunately, if you are currently in debt or unsure about your debt-to-income ratio, there is a high likelihood you won’t qualify for FHA loans or even conventional mortgages. If this is the case, then resolving your existing debt is the most important step you can take right now in the process.

Contact Us

Copyright ©2023 Home Approach. All rights reserved