FHA Loans

FHA home loans are mortgage loans that are insured against default by the Federal Housing Administration (FHA).  FHA loans are available for single family and multifamily homes. These home loans allow banks to continuously issue loans without much risk or capital requirements. The FHA doesn't issue loans or set interest rates, it just guarantees against default.

FHA loans allow individuals who may not qualify for a conventional mortgage obtain a loan, especially first time home buyers. These loans offer low minimum down payments, reasonable credit expectations, and flexible income requirements.

FHA Loans are a great home loan option for those looking for lower down payment requirements and flexible qualifications. 

  • Low down payment with upfront, monthly mortgage insurance premiums 
  • Use monetary gifts for down payment or closing costs
  • No prepayment penalties if you pay off the loan early

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