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How to Buy a Small Rental Property with an FHA Loan

How to Buy a Small Rental Property with an FHA Loan

May 21, 2026

Owner-occupants can use an FHA loan to purchase a 2–4 unit property using rental income to help qualify. Here's how it works and what lenders require.

How Adjustable-Rate Loans Work and When They Make Sense

How Adjustable-Rate Loans Work and When They Make Sense

May 19, 2026

Learn how adjustable-rate mortgages work, including fixed periods, rate caps, and adjustment schedules. Find out if an ARM could save you money.

FHA Property Requirements: What a Home Must Have to Qualify for FHA Financing

FHA Property Requirements: What a Home Must Have to Qualify for FHA Financing

May 14, 2026

FHA loans require homes to meet minimum standards for safety, security, and structural soundness. Learn what can cause a home to fail to get FHA approval.

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Reviews

4.9

141 reviews

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2 weeks ago

Houston has helped me with several mortgages now, and each time the closing attorney is surprised by ...

Houston has helped me with several mortgages now, and each time the closing attorney is surprised by how low my rate is. Enough said! The process is easy and his team is quick and responsible. Highly recommended.

Abigail DiMassimo

1 month ago

Mike, Kit, and the rest of the team were truly a pleasure to work with. As first-time homebuyers, th ...

Mike, Kit, and the rest of the team were truly a pleasure to work with. As first-time homebuyers, they were incredibly patient and made sure we understood our options every step of the way. They were very communicative and we would certainly work with them again in the future.

1 month ago

The entire team from the owner on down to the processor where nothing but professional, courteous an ...

The entire team from the owner on down to the processor where nothing but professional, courteous and a pleasure to deal with. I would recommend this company to anyone. There was a time when i needed to upload docs and my loan processor Laura was reviewing them at 10pm at night and emailing me. She worked so hard. They were so transparent and everything they told me came to be.

Mason McGlaughn

1 month ago

Neighborhood Mortgage helps us greatly during our lending process. My wife and I were first time hom ...

Neighborhood Mortgage helps us greatly during our lending process. My wife and I were first time homebuyers, and pretty new to the whole process, so there were a lot of nerves there. We worked with Robyn and she helped calm all of those nerves! She was super patient and personable with us. She answered any question that would come up at any time. She was in our corner the whole time all the way to the end. We would recommend Robyn to anyone and will forever be grateful! Highly recommend.

1 month ago

Robin was a pleasure to work with as a first time home buyer. With her help, I was cleared to close ...

Robin was a pleasure to work with as a first time home buyer. With her help, I was cleared to close in just under two weeks! Very quick to respond with answers to my questions, and very clear with the information she needed to get me approved. Highly recommended.

Muhammad Faizan Mustafa

2 months ago

We had the pleasure to work with Cory Wells. He made the entire refinance process a very smooth and ...

We had the pleasure to work with Cory Wells. He made the entire refinance process a very smooth and easy journey. He helped and guided us in every step and did extra efforts to get us a great deal.

3 months ago

We are so thankful for the opportunity to work with this company to save so much money. Robin was su ...

We are so thankful for the opportunity to work with this company to save so much money. Robin was such a pleasure to work with on a very easy and seamless refinance. We are looking forward to working with this company again. Thanks so much!

7 months ago

Ive had the pleasure of working with Nathan Smith for quite some time now. He goes above and beyond ...

Ive had the pleasure of working with Nathan Smith for quite some time now. He goes above and beyond and was able to help us win out in a multiple offer situation by getting our appraisal waived. I'll never forget that! Plus he is professional and responsive and just an all around trustworthy lender. Will use again! ****Highly Recommend**** EDIT: Just used Nathan AGAIN! He aced it and fought for my client until the last possible minute. Give him a call!

10 months ago

Marty, Mike, and the whole team at Neighborhood Mortgage were amazing!!!! They helped us with our lo ...

Marty, Mike, and the whole team at Neighborhood Mortgage were amazing!!!! They helped us with our loan for our dream country farmhouse on acreage and they made the process so easy and stress free from pre-approval letters as we were shopping, and then a seamless process after the offer all the way to closing! We were selling and buying concurrently (always challenging and stressful) and had some crazy issues in the process that had us worried about the timelines but Marty and the team worked in sync with our realtor to get everything closed on both sides insanely fast, AND they were right on top of the market craziness to get us rate locked when the bond markets took an unexpected intraday dip. Can’t recommend them highly enough. Communication was always timely and on point, and the whole team are consummate professionals through and through! Definitely give them a call if you’re in the market - if they can’t make it happen, NOBODY can.

1 year ago

Wow. Was so impressed with how professional Houston White was getting me my mortgage. He really wa ...

Wow. Was so impressed with how professional Houston White was getting me my mortgage. He really was there for me every step of the way and he had an air of confidence which is just what I needed! Thank you thank you. Painless and perfect!!😍 FIVE STARS

1 year ago

Absolutely loved working with Houston! He made the whole process smooth and when we did run into any ...

Absolutely loved working with Houston! He made the whole process smooth and when we did run into any issues he handled them quickly.

1 year ago

Jon Maguire gives results!!! One of the most thorough lenders I have ever dealt with. When you work ...

Jon Maguire gives results!!! One of the most thorough lenders I have ever dealt with. When you work with him you don't have to worry, will this close or is the job getting done. It's a given. Excellent communicator, outstanding service.

1 year ago

Jon Maguire offered stellar services as a Senior Loan Officer which made my Home purchase seamless. ...

Jon Maguire offered stellar services as a Senior Loan Officer which made my Home purchase seamless. Not only was he professional, he made sure that I understood the process and held my hand the entire way. His loan knowledge educated me which made my home journey stress-free and for that I am truly grateful. The best thing about Jon is that he was always available no matter what time of the day it was to answer any questions I had about my home purchase. If he can’t get it done, no one can! Thanks again Jon for everything you did!

Courtney Rozear

1 year ago

I called Jennifer right after my divorce was finalized, and she was ready to work with me day one by ...

I called Jennifer right after my divorce was finalized, and she was ready to work with me day one by answering my questions as I navigated the choice between assuming or refinancing my mortgage. Once I made my choice, Jennifer and her staff guided me through each step. Very happy with the service.

1 year ago

Jennifer was terrific throughout the mortgage application process. She was easy to get on the phone ...

Jennifer was terrific throughout the mortgage application process. She was easy to get on the phone, proactive and very informative. Would highly recommend to anybody looking for a mortgage.

1 year ago

Jennifer and her team were AMAZING! They helped me with my mortgage and to get my closing date set ...

Jennifer and her team were AMAZING! They helped me with my mortgage and to get my closing date set in what seemed like an unlikely timeframe! They made it happen and were so professional and informative during this whole process. I highly reamend Neighborhood Mortgage, and Jennifer Brown and her wonderful team!!

1 year ago

Cory and his team at Neighborhood Mortgage were amazing! They were incredibly helpful in making our ...

Cory and his team at Neighborhood Mortgage were amazing! They were incredibly helpful in making our whole process as first time homebuyers as smooth as possible- will definitely be working with them again in the future- highly recommend them! Thank you Cory!

1 year ago

It was a pleasure and wonderful experience working with Houston White at Neighborhood Mortgage, Inc. ...

It was a pleasure and wonderful experience working with Houston White at Neighborhood Mortgage, Inc. regarding my search for a mortgage lender. Houston is very professional, provides excellent customer service, friendly, and also has a great sense of humor, which are all outstanding attributes, especially servicing clients going through the process of purchasing a home. In addition, Houston displayed that he is extremely knowledgeable in originating mortgage loans and was very eager to assist with finding me the best suitable loan options concerning my uncustomary loan type request. Lastly, if you’re trying to secure a mortgage loan in Georgia, I strongly recommend that you contact Houston White with Neighborhood Mortgage, Inc.

Melissa Gonzalez

1 year ago

The communication from Houston and his team exceeded expectations. Working with Neighborhood Mortga ...

The communication from Houston and his team exceeded expectations. Working with Neighborhood Mortgage was the best mortgaging experience. Houston is extremely knowledgeable and helped me navigate through several challenges. He was always professional, courteous and provided very detailed information on how to secure my mortgage. I will refer Houston to all my family and friends. Thank you Houston , Laura , and the Neighborhood Mortgage Team!

Christine Clements

1 year ago

Houston & Laura were awesome to work with, they helped us when we had a tight deadline and made sure ...

Houston & Laura were awesome to work with, they helped us when we had a tight deadline and made sure everything ran smoothly and worked out best in our favor. Appreciate it!!

2 years ago

I had the absolute pleasure of working with Matt Allen and it was the best experience I’ve encounter ...

I had the absolute pleasure of working with Matt Allen and it was the best experience I’ve encountered. It was a long process and at times I felt like giving up, but Matt was persistent and kept me on the right path to ensure I could purchase a home in due time. Matt was very informative and helped me explore options to home buying. It took awhile but in the end it was all worth it. His expertise helped me become a homeowner and his mannerism and perseverance was what I needed to get to this point. He was available whenever I called or text even after hours. I can not thank him for his dedication and knowledgeable skills. If you’re looking for a lender Matt is the man for you. Thanks Matt……you’re the greatest!

Lindsey Sceviour

2 years ago

I had an awesome experience working with Matt. He communicated with us every step of the way and whe ...

I had an awesome experience working with Matt. He communicated with us every step of the way and when i had questions he made sure to answer them right away even when he was on vacation. Im so grateful he made getting our home loan as smooth as it could be. We Highly recommend Matt and his team! Thanks again Matt!

Brittany Dawson

2 years ago

As a veteran family, husband served, we don’t always get treated kindly. But, Jon was an absolute ge ...

As a veteran family, husband served, we don’t always get treated kindly. But, Jon was an absolute gentleman throughout the whole PROCESS. And boy did my family have a process. Though it was through no fault of our own. Jon was patient through it all. Even through my constant needs for confirmation and explanations. It was a pleasure working with you Jon. While we love our home, we know who to work with if needed in the future!

2 years ago

Jon is one of the best in the business. When we had difficulties and trying to get our mortgage proc ...

Jon is one of the best in the business. When we had difficulties and trying to get our mortgage processed, he was there the entire way and let us know what we needed to do to get over some financial hurdles. I would recommend him and his team to anyone who needs a mortgage. They are the best and got us over the finish line.

Camille chulick

2 years ago

Matt was excellent helping us through the mortgage process. He was always available to take my calls ...

Matt was excellent helping us through the mortgage process. He was always available to take my calls and helped me get everything I needed together to get approval on my loan. He was easy to work with while making it smooth navigating the process. I highly recommend him if you are looking to purchase a home with a loan.

2 years ago

Jon was amazing in helping us to be approved and make decisions on our mortgage amount. He work with ...

Jon was amazing in helping us to be approved and make decisions on our mortgage amount. He work with us through a cross country relocation and did an amazing job. Communication was key for us and Jon replied to any questions the same day. Changes we needed were immediately addressed. Highly recommend Neighborhood Mortgage and would utilize their services again.

2 years ago

Matt was amazing! Walked me through the home purchasing process, was always available to answer my m ...

Matt was amazing! Walked me through the home purchasing process, was always available to answer my many home buying questions! Most importantly was able to beat any mortgage rate from any competitor. Loved Matt and would work with him in the future!

2 years ago

I worked with John Maguire and his team. Very professional and kept me updated throughout the proces ...

I worked with John Maguire and his team. Very professional and kept me updated throughout the process. I like the fact that they're not locked into one lending institution and can shop for the best rate. After the initial loan was established they were able to drop the interest rate twice with no additional cost to me. If the need arises I will definitely use them again.

2 years ago

I had a very positive experience with Neighborhood Mortgage. Nathan Smith is very nice and helpful. ...

I had a very positive experience with Neighborhood Mortgage. Nathan Smith is very nice and helpful. I highly recommend this mortgage company; they are easy to work with and provide great customer service.

2 years ago

Neighborhood Mortgage was recommended by our awesome realtor duo of Deryk & Debbie from Keller Willi ...

Neighborhood Mortgage was recommended by our awesome realtor duo of Deryk & Debbie from Keller Williams and could not have been happier with the experience. We had a competing good faith estimate from another mortgage company but felt so much at ease negotiating the terms with NM. Night and day, really. I highly recommend them.

2 years ago

I was offered the best rates available to the market. And the team was very thorough and made sure ...

I was offered the best rates available to the market. And the team was very thorough and made sure there was no drama at closing. The process went smoothly from start to finish.

2 years ago

I rarely write reviews however when you get lucky enough to work with Jon Maguire and Shawna you mak ...

I rarely write reviews however when you get lucky enough to work with Jon Maguire and Shawna you make the time and you do just that. I’ve purchased 4 homes in last 2.5 years and have used a few lenders however I would never ever use a different person from here on out. Jon is a master at his job and finding the best rates and even our closing costs were significantly less. If you’re in the market don’t go anywhere else this Man made some impossible possible :). Thank u Jon and Shawna for being experts at what you do!!!!

2 years ago

Responsive, professional, and able to find competitive rates. Will use again.

Responsive, professional, and able to find competitive rates. Will use again.

2 years ago

Houston is our guy! He was completely honest, reasonable and transparent throughout the entire proce ...

Houston is our guy! He was completely honest, reasonable and transparent throughout the entire process. He stayed in contact with us from start to finish, and we had a little scare at closing when financing approval was delayed but as soon as we called him he made a call and got it pushed through immediately. We will refer everybody we know to go with Houston from now on. Thanks for all your hard work Houston! Very satisfied clients!

2 years ago

I must say Jennifer Brown with Neighborhood Mortgage helped me tremendously. I was moving through th ...

I must say Jennifer Brown with Neighborhood Mortgage helped me tremendously. I was moving through the legal stages of divorce. I needed to decide my future living arrangements. Unlike many mortgage companies, Jennifer took the time to help me figure out which was best option for me at this financial stage in my life. Buying again vs. Renting? down payments, monthly payments, staying within my monthly budget, and how long did I plan to stay in GA? So many variables went into this other than just getting prequalified, finding a place and moving on. Jennifer did not treat me as just another mortgage. In fact based on the information I provided it was not in my best interest to buy right away. I appreciated Ms. Brown’s honesty and hard work. She could have given me a loan and sent me on my way. However, we decided on other options and that is what makes her FAR ABOVE the rest. Thank you Jennifer and to Neighborhood Mortgage for the prompt responses, professionalism and most of all going above and beyond.

2 years ago

Houston was very informative and on time, He was the best, Excellent communication process was very ...

Houston was very informative and on time, He was the best, Excellent communication process was very smooth & Houston went above and beyond for my family! We appreciate HOUSTON to the fullest he went above and beyond for us, he also came up with an affordable plan in order for-my family to purchase our new home, he’s the best and HIGHLY RECOMMENDED! Thank you HOUSTON WE APPRECIATE YOU!

3 years ago

Great experience! Everyone was super helpful, knowledgeable, and most importantly efficient! We we ...

Great experience! Everyone was super helpful, knowledgeable, and most importantly efficient! We were always comfortable that our loan was in good hands each step of the way. Thanks to everyone involved in helping us get a loan for our dream home!

3 years ago

When I came to Houston White with a tall order, he didn’t hesitate to serve the table with Southern ...

When I came to Houston White with a tall order, he didn’t hesitate to serve the table with Southern hospitality in a New York minute. He did what many said was impossible, kept me calm…. and secured our loan in 5 days! Best in the business. 10/10 would recommend.

3 years ago

Jennifer Brown and her team were a pleasure to work with! As a first-time home buyer with a tight ti ...

Jennifer Brown and her team were a pleasure to work with! As a first-time home buyer with a tight timeline, I was very overwhelmed, but Jennifer and her team made the process a breeze. Jennifer and her team are very professional, thorough, and communicative. I highly recommend Neighborhood Mortgage to anyone looking for a mortgage lender!

3 years ago

It was great working with Neighborhood Mortgage, they made the entire process easy. Very responsive ...

It was great working with Neighborhood Mortgage, they made the entire process easy. Very responsive and on top of everything. I would definitely recommend them to everyone.

Michael Trevisan

3 years ago

Nathan Smith at Neighborhood Mortgage was very helpful upfront in the mortgage process. He was also ...

Nathan Smith at Neighborhood Mortgage was very helpful upfront in the mortgage process. He was also very honest from the beginning, offering the absolute best rates possible on the first estimate. He is very knowledgeable about the process and I encourage everyone who is looking for a mortgage to give Nathan a call to discuss your options!

3 years ago

John Norwood and his team at Neighborhood Mortgage were fantastic to work with. I did not have a lot ...

John Norwood and his team at Neighborhood Mortgage were fantastic to work with. I did not have a lot of time to get my mortgage together and they made it happen. It was a seamless and very professional experience. The attention to detail and customer service surpassed my expectations. I highly recommend Neighborhood Mortgage.

Valerie Richardson

3 years ago

I met Houston through my realtor, Terri Sperry. He was prompt, thorough, patient, and kind. I reache ...

I met Houston through my realtor, Terri Sperry. He was prompt, thorough, patient, and kind. I reached out to several lenders, he was the first one to respond (very quickly). Although I was purchasing my 2nd home, it had been a while, so I had many questions, which he welcomed and made me feel comfortable asking. His thorough practice made the process smooth. I received a checklist of what to expect along the way, which put my mind at ease. He was readily available to answer my calls, texts, and emails, which is very important during this life changing process. I recommend using Houston, at Neighborhood Mortgage, as you don't get this intimate treatment with most establishments. In the event I need to purchase another home, I am definitely reaching out to Houston and the Neighborhood Mortgage team. - Valerie Richardson

3 years ago

These guys and gals do a great job. First, their rates are great. Second, their document procurement ...

These guys and gals do a great job. First, their rates are great. Second, their document procurement needs are reasonable on the client, and, they always follow up kindly when you are behind schedule providing them. Great experience. -Jake and Madi Shumard

3 years ago

Ive had the pleasure of working with Nathan Smith for quite some time now. He goes above and beyond ...

Ive had the pleasure of working with Nathan Smith for quite some time now. He goes above and beyond and was able to help us win out in a multiple offer situation by getting our appraisal waived. I'll never forget that! Plus he is professional and responsive and just an all around trustworthy lender. Will use again! ****Highly Recommend****

Christin Swansinger

3 years ago

Cory and Lauren were amazing to work with. Extremely diligent, polite, and professional. This was ...

Cory and Lauren were amazing to work with. Extremely diligent, polite, and professional. This was my first time buying and they truly made my experience something I will remember forever.

Jenny Stallings

3 years ago

We have been working with Neighborhood mortgage since 2013 and I wouldn’t trust our clients our our ...

We have been working with Neighborhood mortgage since 2013 and I wouldn’t trust our clients our our personal mortgages to anyone but Jim Reuland and his team, especially, Laurie, Laura and Lauren. Having so many similar names can lead to confusion but fortunately internal communication is great so it’s passed on to the right “L” 😂 Thank you for all the years of support and professionalism!!

Your Homeownership Journey Starts Here

Let's Make Your Mortgage Experience Exceptional

At Neighborhood Mortgage, Inc., we are committed to providing you with the best mortgage experience possible. Our team of professionals is here to guide you every step of the way, ensuring that your homeownership journey is smooth and stress-free.