Ready for home ownership? The FHA Home Loan is designed for first-time homebuyers and borrowers who may not have 20% for their down-payment. An FHA mortgage is a government-backed loan with more flexible lending requirements than those of conventional loans. Fixed and adjustable-rate options are available. Whether you are a first-time homebuyer or you've bought many homes over the years, our team of expert Loan Officers are ready to help you on your path to home ownership. Plus, we'll guarantee that your loan will close on time, or we will pay you $1,000!
Fast approvals, expert advice, and an easy process
What You Need to Know about FHA Home Loans
What are the benefits of an FHA loan?
An FHA mortgage is a good option for homebuyers with less-than-stellar credit or limited cash for a down payment. You may qualify for an FHA mortgage with a down payment as low as 3.5%, even if you don't have a long credit history or outstanding credit.
For those looking for a refinance, we can simplify the process with less paperwork with an FHA Streamlined Refinance.
FHA Loan Requirements and Qualifications
Down payment - Save up! FHA loans require a minimum down payment of 3.5% and FHA loans require mortgage insurance.
Loan Amount - Maximum loan amounts vary by state and county. Contact a loan officer to understand the details in your area.
Property Condition - FHA mortgage loans require homes that meet certain conditions, so you need an appraisal by an FHA-approved appraiser.
Your Home Base - New FHA loans are available only for homes that will be used as a borrower's primary residence.
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Trouble knowing where to start? Learn how to get started and what to expect during the home buying or refinancing process in our Education section. For other questions, read our FAQs or call 1-855-376-3168.