The Lowdown on FHA Loans...

Why an FHA Loan?

Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. An FHA down payment of 3.5% is required. Borrowers who cannot afford a traditional down payment of 20% or can’t get approved for private mortgage insurance should look into FHA loans.

Fixed Rates
Adjustable Rate Mortgage (ARM)
3.5% Down Payments
Jumbo & Super Jumbo Loans
Custom Terms from 15 to 30 Years

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Our FHA Loan Rates Are Low and Our Process is Quick and Painless

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

FHA financing was birthed out of the National Housing Act in 1934. Its purpose was to make housing more affordable and possible for those who through conforming conventional means would be more difficult if not impossible. Federal Housing Administration backed loans can also be used on a wider variety of home types such as stick built, modular, manufactured, berm homes, pole barn homes, among others.

We’re here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.