FHA Home Loan
First-time homebuyers may want to go with a Federal Housing Administration (FHA) loan. It has a lower down-payment option and enjoys flexible underwriting criteria.
Why is an FHA home loan good for me?
The Federal Housing Administration insures each FHA home loan. That means FHA-approved lenders can offer these flexible loans because borrowers using an FHA loan pay mortgage insurance (MI), which protects the lender in case the borrower defaults.
Flexible qualifying guidelines with lower credit score requirements
Fixed and adjustable rate terms available
Down payment as low as 3.5%
Down payments can be paid with gift funds
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