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Federal Housing Administration

FHA loans have been helping people become homeowners since 1934. How do we do it? The Federal Housing Administration (FHA)-which is a part of HUD-insures the loan, so your lender can offer you a better deal.

Low down payments
Low closing costs
Easy credit qualifying

Best If You:

Have minimal funds available to invest.
Have marginal to good credit.
Have marginal to good job history.
Need relaxed debt to income ratios.

Features:

Maximum Loan Amount – $314,827
Monthly mortgage insurance (up to .85% of base loan amount)
3.5% minimum down payment
Cash assistance to qualified first- time borrowers – Local county grant programs
Gifts allowed from relatives for down payment and closing costs
Must be owner occupied
Non-occupant co-signors allowed
15, 20, 25 & 30 year terms allowed
Purchase and refinances available
1-4 family units, New Construction, condominiums and manufactured homes
30 and 15 year loans, ARM loans also available
Upfront mortgage insurance can be financed into loan (1.75% of loan amount)