How FHA Loans Work

At Click Mortgage, a Division of Golden Bear Capital, Inc we want to help you understand how a FHA mortgage loan works. In all actuality the Federal Housing Administration (FHA) doesn’t loan any money, they insure it. This means that you’re considered to be a less risky borrower than someone who might not have the backing of the federal government. Our role is to make sure that you qualify for an FHA mortgage and structure our loan to reflect it.

The other pages in the FHA loan center can help you understand more about this unique program. Whether you are trying to determine if you qualify or if you are interested in finding out what kind of documentation you’ll need to ultimately get your loan, our site can provide you the information you are seeking. Additionally we’re more than happy to take your phone calls at 888-440-3001.

An important resource for considering a FHA loan is the official Housing and Urban Development website. There you can find even more answers to questions and learn more about insuring your loan through the Federal Housing Administration.

10650 Scripps Ranch Blvd. #230 San Diego, CA 92131​ | Phone: 888-440-3001 | Fax: 888-500-5815
Click Mortgage, a Division of Golden Bear Capital, Inc (NMLS# 284021) is licensed by the California Department of Business Oversight (CFL License# 603H185) and the California Bureau of Real Estate (License# 01847011), Nevada Division of Mortgage Lending License# 4043), Utah Division of Real Estate (License# 6332409), Missouri Company Registration (License# 17-2326), Colorado Mortgage Company (License# 284021), Arizona Mortgage Bankers License (License# 0943215), Texas SML (License# 284021)   . 

We are licensed to lend in the following states: CA, CO, NV, UT, AZ, TX, MO, WA | NMLS Consumer Access