With flexible credit qualifications and low down payment options, an FHA mortgage may be just what you need for home financing!



A smart choice for first-time and move-up homebuyers

FHA loans are great mortgage options for move-up and first-time homebuyers alike! With an FHA down payment beginning as low as 3.5% and no first-time homebuyer restrictions, there are flexible options for you to get the exact financing you need.

If you would love to buy a home but are lacking pristine credit, a down payment, or are unable to cover closings costs, an FHA loan may be right for you! Issued by the Federal Housing Administration, FHA financing was developed to provide eligible homebuyers with flexible guidelines and an alternative to conventional mortgage financing.

Key Features and Benefits of FHA Loans

  • Down payment amount starting as low as 3.5%.
  • Gift funds may be used for down payment, closing costs, and prepaid expenses.
  • No first-time homebuyer restrictions.
  • Seller concessions available: sellers may gift up to 6% of the home’s purchase price to pay for closing costs and pre-paid costs for FHA borrowers.
  • Liberal qualifying ratios
  • Loan limits are dependent on geographic location.
  • Available for purchase, refinance, and renovation.
  • Available for single-family primary residences, condos, multi-unit properties, or manufactured homes.
  • Fixed or adjustable rate options available.
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