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FHA

FHA loans originated in 1934 and are insured by the Federal Housing Administration.  These loans allow an individual to borrow money towards purchasing a new home or refinancing an existing home.

  • 30-year, 25-year, 20-year, 15-year, and 10-year terms available

  • Adjustable rate mortgages allowed

  • Minimum down payment: 3.5%

  • Single family and 2-4 units acceptable

  • Primary residence only

  • Grants and gifts permitted from suitable sources

  • Flexible or no credit scores   

  • 2 years post-bankruptcy

  • 3 years post-foreclosure

  • Common sense underwriting

  • Seller concessions up to 6%

  • 203K Rehab loans

  • Loans can be assumable

  • Maximum loan amounts are restricted by geographical area

  • Reduced monthly mortgage insurance

  • Purchase or refinance