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Why this site exists - and who is standing behind it.
FHA Loan Questions is built by Home Loans Inc: Jason Sharon, Mortgage Broker - a veteran-owned brokerage in North Charleston, South Carolina. It exists because of one belief: people who were told no deserve to know HOW to get to yes.
Jason Sharon, NMLS #1281448 · Home Loans Inc, Company NMLS #1728740 · Licensed in 10 states
"Nobody would tell me WHY. They just said no and stopped returning calls."
Name the rule. Kill the myth. Hand you a plan:
- The real HUD rule behind your no
- The steps and the timeline to clear it
- A straight answer when now is not the time
5.0 · 430+ Google reviews
Featured in Forbes, Money.com, Yahoo Finance, The Hill
Veteran-Owned · NMLS #1728740
A broker who reads the whole file
Jason Sharon runs Home Loans Inc, a veteran-owned mortgage brokerage headquartered in North Charleston, South Carolina and licensed across 10 states. As a broker - not a bank - Home Loans Inc shops wholesale lenders to fit the loan to the borrower, with $0 junk fees and wholesale rates.
Somewhere along the way, a pattern became impossible to ignore: person after person walking in convinced they could never own a home, because someone with a rate sheet and five spare minutes had told them no. Denied by a bank's overlay. Denied by a builder's in-house lender. Denied by a loan officer who never asked a second question. Almost none of them had actually been denied by FHA's rules - they had been denied by somebody's shortcut.
FHA was created in 1934 for exactly these buyers: real people with bruised credit, thin files, past hardships, and honest budgets. The rules for getting them to yes are public - HUD Handbook 4000.1 - but nobody translates them for the people they were written for. That is the job this site does.
The mortgage industry profits from your confusion. We would rather earn your loan by ending it.
Four things we hold ourselves to
The whole file, not just the score
A three-digit number is not a person. We read payment history, rent, savings habits, and the job story - the same things a manual underwriter reads - before we ever say what is possible.
The real rule, cited plainly
Every claim on this site traces to HUD's published guidelines, translated into plain English. If a rule changes, the page changes. No folklore, no "that's just how it is."
A plan, not a pitch
If you are ready, we will say so and move. If you are 8 months out, we will say that too - with the exact steps and a calendar date. We never promise approval; we hand you the path, subject to eligibility and lender guidelines.
No shame, ever
Medical debt, a divorce, a layoff, a bankruptcy - life happens to good people. You were not failed by your character; you were failed by a lazy no. We start from there.
The credentials, all verifiable
Never take a mortgage site's word for anything, including ours. Every item below is a public record you can click.
Broker license
Jason Sharon · NMLS #1281448 · verify at NMLS Consumer Access
Company license
Home Loans Inc · Company NMLS #1728740 · verify at NMLS Consumer Access
Licensed states
AL, FL, GA, IA, MS, NC, SC, VA, WV, WY · full license list
Veteran-owned
Founded and run by a military veteran - the discipline came with us.
Better Business Bureau
In the press
Jason's commentary has been featured in Forbes, Money.com, Yahoo Finance, and The Hill.
Rated 5.0 by the families we serve.
Jason knows his stuff! We highly recommend him for your mortgage needs! He responds timely, provides information you didn't know you needed, puts the client needs first, and makes common sense adjustments throughout the entire process.
Jason and his team did an amazing job for me. They communicated often and made the entire mortgage process smooth and efficient. I can genuinely say that they are honest, trustworthy and strive to provide the best service possible to their clients.
Jason has been awesome since the beginning. He has been communicative, professional, KNOWLEDGEABLE, and honest. I am very happy with all my services so far, and I recommend UWM!
Fair questions to ask any mortgage site
Is FHA Loan Questions a lender?
It is the education arm of Home Loans Inc, a licensed mortgage brokerage (Company NMLS #1728740). As a broker we do not lend our own money - we shop wholesale lenders on your behalf. The site itself asks nothing of you: read everything, use everything, free.
Does it cost anything to talk to Jason?
No. A planning call costs nothing and obligates nothing, and we do not need to pull your credit just to talk. If the honest answer is "wait 8 months and do these 3 things," that is the answer you will get.
Which states can you actually help me in?
Home Loans Inc is licensed in Alabama, Florida, Georgia, Iowa, Mississippi, North Carolina, South Carolina, Virginia, West Virginia, and Wyoming. Outside those states the site's education still applies - FHA rules are federal - but we cannot arrange your loan.
Why should I trust the information here?
Because it cites its sources. The rules on this site trace to HUD Handbook 4000.1 and published FHA guidance, and every credential we claim - licenses, reviews, BBB - links to a public record you can verify yourself. When something is a judgment call or lender-specific, we say so: subject to eligibility and lender guidelines.
Come with a no. Leave with a plan.
Whether you are ready now or 12 months out, one short call maps your exact path - and you will know the difference by the end of it.
Or call (843) 569-7283 / 843.LOW.RATE