Federal Housing Administration Loans

FHA loans

FHA Loan


FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment. In other words, the FHA guarantees that a lender won’t have to write off a loan if the borrower defaults – the FHA will pay.

FHA tends to be more flexible than Conventional financing in the money needed to purchase the home. And are more lenient on areas such as credit, funds to close and co-borrowers.

FHA allows a buyer to purchase a home with as little as 3.5% down. You don't need perfect credit but you will need to have a credit score of at least 580. Less strict credit requirements and qualifications make this loan the easiest loan for buying a home or refinancing. Save money with an easy and fast FHA loan!

Qualification Requirements:

  • Credit scores as low as 580 may qualify

  • Refinance up to 97.75% of your primary home’s value

  • Buy a home with as little as 3.5% down


  • 100% gift funds allowable

  • No minimum reserves requirement on 1 unit homes

  • Cash out up to 85% loan-to-value (LTV) ratio allowed (on 1 unit homes)

  • Non-occupant co-borrower (a co-signer) is allowed

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