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FHA Home Loans

There are lots of good reasons to choose an FHA loan for Purchasing, Building, Renovating or Refinancing


FHA is For Primary Homes Only

Some benefits of FHA loans are:

  • Low down payments
  • Low closing costs
  • Easy credit qualifying

What does FHA have for you?

Looking to Buy a New Home?

FHA might be just what you need. Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be included in the loan. Available on 1-4 unit properties.

FHA also allows Approved Down Payment Assistance for the 3.5% or part of it from Our Approved Lenders

Want a fixer-upper?

FHA has a loan that allows you to buy a home, fix it up, and include all the costs in one loan. Or, if you own a home that you want to re-model or repair, you can refinance what you owe and add the cost of repairs - all in one loan.

FHA 203(k) Rehab Loan

Because the government insures the loan, you can be approved for the loan even with Low credit scores. FHA will only finance Primary Homes


  • You can borrow up to 96.5 % of your after-renovation house value.
  • You can spread the payment over 30 years.
  • The qualifying requirements are not stringent, making it excellent for people with Lower credit scores.
  • It is a single close document, meaning you only sign one set of documents and pay one Monthly Payment

FHA Construction Permanent Loans for New Builds

The FHA One-Time Close Construction-to-Permanent Loan is a secure, government-backed mortgage program available for Site Built Primary Residences, New Manufactured Housing for primary residences (no singlewides), and Modular Homes. It allows borrowers to finance the cost of construction, lot purchase (if necessary) and permanent loan into one loan and a single closing all at once.

Financial help for seniors

Are you 62 or older? Do you live in your home? Do you own it outright or have a low loan balance? If you can answer "yes" to all of these questions, then the FHA Reverse Mortgage might be right for you. It lets you convert a portion of your equity into cash.

Want to make your home more energy efficient?

You can include the costs of energy improvements into an FHA Energy-Efficient Mortgage.

How about manufactured housing and mobile homes?

Yes, FHA has financing for mobile homes and factory-built housing.  The Home Must be at least a Double wide and be on Owned Land.  It also must be attached to the foundation according to FHA Guidelines.

Use our free Rent vs Buying Calculator - Click Here

FHA loans have been helping people become homeowners since 1934. How do we do it?

The Federal Housing Administration (FHA) - which is part of HUD - insures the loan, so your lender can offer you a better deal.

FHA allows a buyer to purchase a home with as little as 3.5% down. They tend to be more lenient on areas such as credit, funds to close and co-borrowers.

Most loans use a method of analyzing credit called credit scoring in the underwriting process. Studies have demonstrated a direct relationship between low credit scores and higher mortgage delinquency rates. As a result many lenders have established minimum credit scores at which they will accept loans. Unfortunately, a lack of credit, old delinquencies or incorrect information on the credit report can cause a lower credit score. FHA does not have specific credit score requirements. Although a high credit score may assist in getting the mortgage approved, a low score is not automatically cause for denial. If the credit scores are low, then it is up to the borrower to demonstrate his/her ability and willingness to pay the loan back. This allows the borrower to explain the circumstances surrounding the credit difficulties and have that explanation considered in the underwriting process.

The underwriter on an FHA loan will review the credit and payment history of a customer concentrating on the most recent 12 to 24 months. If the customer has had a good payment record over the past 12 to 24 months they can often get approved for a mortgage even when Conventional financing has turned them down. An experienced loan officer can help the customer clearly tell their story and will often make suggestions as to how to make the file more acceptable to FHA. Because of FHA's leniency, some borrowers with past credit problems elect to use FHA for loans when they have a substantial down payment rather than getting a higher interest rate conventional loan. FHA tends to be more flexible than Conventional financing in the money needed to purchase the home.

In an FHA mortgage the Buyer must put at least 3.5% of the sales price into the transaction. This can come from Savings, Retirement account, Gift Funds or Approved Down Payment Assistance from one of our Approved Lenders.  Call for More Information of this Program.

The total cost to close on an FHA Mortgage is commonly around 3%.  These closing costs cover Lender fees, State fees, Title Insurance, Survey and Escrow Account.  You can add these costs into the loan so you are not paying them out of pocket if your Purchase Contract includes Seller Credit to pay for these costs. 

The interest rate that you select will also have a bearing on the total costs. If you select a lower rate so that you can reduce your payment, you may end up paying additional money towards "points". At the same time if you are comfortable with a slightly higher payment you may find a lender that is willing to reduce the costs to close in favor of a higher interest rate.