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FHA Home Loan

First-time homebuyers may want to go with a Federal Housing Administration (FHA) loan. It has a lower down-payment option and enjoys flexible underwriting criteria. 

Why is an FHA home loan good for me?

The Federal Housing Administration insures each FHA home loan. That means FHA-approved lenders can offer these flexible loans because borrowers using an FHA loan pay mortgage insurance (MI), which protects the lender in case the borrower defaults.

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Flexible qualifying guidelines with lower credit score requirements

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Fixed and adjustable rate terms available

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Down payment as low as 3.5%

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Down payments can be paid with gift funds

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