• What It Is

    The FHA (Federal Housing Administration) program is designed to help homeowners and buyers qualify when they wouldn’t otherwise. FHA Loans can benefit those who need a lower down payment, have high debt or lower credit scores, or may have had a foreclosure or short sale in the recent past.

    With only 3.5% cash of the purchase price required from the buyer, FHA loans make purchasing a home a more feasible option for many. For those who already have an FHA loan, it’s easy to lower interest rates by taking advantage of the FHA Streamline refinance program. With this program, homeowners can go from one FHA loan to another with a lower interest rate, without an appraisal or income qualifying. Click here to learn more!

  • Benefits

    • Easier to qualify: Higher debt-to-income ratios allowed. Prior foreclosures, short sales or bankruptcies are not necessarily an issue.
    • Less cash required: Buy a home with as little as a 3.5% upfront.
    • Gifting option: Use gifted funds from friends or relatives to cover down payment and closing costs.
    • Refinancing made easy: Refinancing is simple when you take advantage of the FHA Streamline benefit.
    • Cash out: Borrow up to 85% of home value for home improvements, debt consolidation or major expenses.
  • Who Qualifies

    • Minimum cash required from buyer of only 3.5% for purchase transactions
    • Minimum credit score of 580 or above
  • Typical Requirements

    • Steady employment history for the past 2 years – although exceptions can be made
    • No foreclosures or bankruptcies within the past 3 years
    • Subject property must be owner occupied
  • Your Step-by-Step Journey Home

    1

    Apply

    Click here to get started on an online application or give us a call.

    2

    Speak to a loan officer

    Our professional loan officers will help determine your current financial situation and your future goals.

    3

    Choose a solution

    Your loan officer will customize a loan program specific to your needs.

    4

    Submit your application

    Your loan officer will help you complete your application and put your loan in process.

    5

    Let us take it from there

    We will process your loan quickly and keep you informed every step of the way.

    6

    Close your loan

    Once completed, we’ll set up an appointment with you to close and fund your loan.

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Find A Loan Officer

Whether you’re buying a new home, refinancing, looking for a cash-out, or just have questions about the process, we’ve got the right people to help you get the right mortgage.

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