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FHA Loans


FHA loans originated in 1934 and are insured by the Federal Housing Administration.  These loans allow an individual to borrow money towards purchasing a new home or refinancing an existing home.

  • 30-year, 25-year, 20-year, 15-year, and 10-year terms available
  • Adjustable rate mortgages allowed
  • Minimum down payment: 3.5%
  • Single family and 2-4 units acceptable
  • Primary residence only
  • Grants and gifts permitted from suitable sourcesd
  • Non-occupant co-borrower can be used for qualifying
  • Flexible or no credit scores
  • 2 years post-bankruptcy
  • 3 years post-foreclosure
  • Government sponsored down payment assistance
  • Common sense underwriting
  • Seller concessions up to 6%
  • 203K Rehab loans
  • Loans can be assumable
  • Maximum loan amounts are restricted by geographical area
  • Reduced monthly mortgage insurance
  • Purchase or refinance