Your FHA Loan?

An FHA loan is a government-backed mortgage insured by the Federal Housing Administration, created to make homeownership more accessible—especially for first-time buyers or those with less-than-perfect credit. Because the loan is insured, lenders can offer more flexible qualification guidelines.

FHA loans allow down payments as low as 3.5%, accept moderate credit scores, and permit higher debt-to-income ratios than many conventional loans. Gift funds from approved sources can also be used toward down payment and closing costs.

These loans are intended for primary residences only and can be used for single-family homes, certain multi-unit properties, and FHA-approved condos. Borrowers are required to pay mortgage insurance premiums (MIP), which include an upfront fee and a monthly payment.

Overall, FHA loans offer a flexible and affordable path to homeownership for buyers who need easier qualification without sacrificing long-term stability.

🎥 Watch the video below to learn more, click the Loans button to return to the main menu.

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