Is an FHA loan right for you?

Get a FREE quote on an FHA loan and find out how much you qualify for.

What is an FHA Loan?


  • An FHA loan is a loan insured by the Federal Housing Administration. They do not underwrite the loan, they simply insure it for the lender.

Benefits of an FHA Loan:


  • An FHA loan is more accessible since you don’t need a high-paying job or the best credit.
  • Credit score requirements are lower, allowing people with not so perfect credit to qualify.
  • FHA Loans have lower down payments that can get as low as 3.5%, and can be used for a purchase or refinance.
  • Your down payment can be gifted from a relative.
  • You can roll in all your closing costs.
  • You can also get cash out on a refinance.
  • There are also FHA renovation loans for repairs.
  • If you have low credit or a high debt to income ratio then FHA loans may be the right option for you.

FHA Qualification Checklist:


  • Steady employment history or worked for same employer for at least one year.
  • Valid Social Security number, lawful residency in the U.S., however you do not have to be a U.S Citizen.
  • Make a minimum down payment of 3.5% on the house. The money can be gifted by a family member.

Take Control and Get Prequalified Today

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