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
Have questions? We have answers.
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“Laura was always quick to respond when I had any questions. I felt like I could always depend on Laura to keep me informed of any issues that might have impacted my loan processing.”
“Excellent and prompt communication throughout the process.”
“Ben’s team was easy to work with and very responsive.”
“Michelle communicated clearly and quickly during the loan process and provided me multiple loan options that made my home purchase wonderful.”
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“Michele was very helpful and supportive through our whole process. She made sure that any question was answered fully and was understood thoroughly. She went step by step through the process to make sure we understood it as well as making the hard st...” See Full Review
“Ben and team are always great to work with. They’re highly responsive and always on top of it, and are good at communicating next steps. They helped us work through a complex situation to close early.”
“Your time and patience.”
“Cindy is outstanding. Prior to my experience I would recommend her to everyone I knew looking for a home. There is no better person or professional in this field than Cindy Emerine.”
“Cindy was so helpful through each step of the process. She took the time to really walk us through the process and at each point let us know what was coming or going to happen. She answered all of our questions and really went above and beyond to get...” See Full Review