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About the program

Not sure if your current finances will let you qualify for a mortgage? An FHA mortgage could be your solution. Run by the Federal Housing Administration, FHA home loans were created to make it easier for home owners to qualify for a loan- whether to buy a home or refinance your mortgage.

FHA home loans can benefit almost all home buyers and refinances, who don’t want to tie up a lot of cash in their homes. FHA mortgages are great for people who desire a secure government-insured home loan, while also needing to finance more than 80% of their home value. Check in with a loan expert or call us at (800) 872-5063 to review your options and see if a FHA home loan is the best fit for you.

Qualifying for a FHA loan is less difficult than other loan options. With a FHA mortgage, you can buy a home with a down payment as small as 3.5% and lower credit scores.

With an FHA loan, you are able to use gifts (such as borrowed money or a monetary gift from a family member) towards down payments and closing costs.

There are no prepayment penalties with a FHA mortgage, allowing you to refinance or pay off your home early without having to worry about paying an extra fee.​​

Launched in June 2012, the Federal Housing Association announced its Streamline Refinance program. This program dramatically reduces mortgage insurance costs and does not require an appraisal of your home – even if you’re underwater on your mortgage. To qualify, borrowers must be have no late’s on their mortgage payments for the most recent six months and save at least 5% on their monthly mortgage payment (including the mortgage insurance) due to the refinance.