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Federal Housing Administration (FHA)

What is a FHA loan?

Insured by the Federal Housing Administration, these loans have features that make financing more obtainable for first-time homebuyers. FHA loans are available to homebuyers who plan to make a low down payment (as little as 3.5 percent). There are no maximum income or earning limitations, and fixed-rate loans are available.

Key Things to Remember

  • If you need financing for more than 80% of your home value, the FHA loan is a good option to consider.
  • Borrowed money or monetary gifts from family members can be used for down payments and closing costs.
  • FHA loans do not carry prepayment penalties, giving you the flexibility to refinance or pay off your mortgage early without incurring any fees.

Popular Among:

  • First-time Homebuyers
  • Buyers who meet FHA lending guidelines

To learn more about which loan option is best for you, call to speak with one of our expert mortgage bankers or if you're ready, get started today. We’re here to provide you with a clear path to home ownership!

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