Request a FHA home loan, FHA mortgage refinance or FHA mortgage loan from mortgage loan refinancing lenders who save you money. FHA Home Loans,
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FHA loan program -- FHA Loans and FHA Jumbo loans
FHA HOME LOANS - FHA Loan Information - FHA Loans
FHA loan requirements and guidelines are simple and easy to understand. Prepare for your
FHA home loan with some important steps to make sure you can afford the mortgage.
NOW IS THE TIME FOR AN FHA MORTGAGE
What Is An FHA Loan?

An FHA loan is insured against default by the Federal Housing Administration.  
In other words, the FHA guarantees that a lender won’t have to write off a loan
if the borrower defaults – the FHA will pay.  Because of this guarantee, lenders
are willing to make large mortgage loans.

FHA insures loans that might not ordinarily be possible for homeowners seeking
refinance and to home buyers. The benefits of an FHA loan are numerous.












If you presently have an existing FHA loan, a
streamline refinance is for
you.  Low documentation and, most often, no appraisal requirement makes
a straight rate and term refinance extremely easy.
Simply respond to your loan officer's request for documentation.  
He or she will advise you exactly what's needed.  
By supplying documents promptly,  the process is simple and helps
ensure a smooth mortgage closing.

We understand the importance of your home in your life and are committed to
providing you with the assistance and information you need to help you provide
for and preserve the dream of homeownership.  As no two customers are alike,
we will work with you to develop solutions for your unique needs.

We "go the extra mile" to earn your business.
That's why we have an A+ rating with the Better Business Bureau.

No INITIAL CREDIT CHECK and NO OBLIGATION--FREE QUOTE
Learn more about FHA STREAMLINE REFINANCE and FHA JUMBO LOANS
Earth Works TrustMobile Home Loans In Park or Home Only on LandLand Home Loans - With or Without LandModular Home Loan With or Without LandFHA Purchase, Refinance, Streamline Refinance,      Loan Limits Vary by CountyVA Purchase, Refinance, Streamline Refinance,      Jumbo Mortgage up to 1MEarth Works Trust Philosophy
Where Great Rates, Great Programs and Customer Service Meet
1-800-608-6898
FHA loan requirements and
guidelines are simple and easy to
understand. Prepare for your
FHA home loan with some
important steps to make sure
you can afford the mortgage.
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Privacy policy: We respect your privacy! Your information will always be kept confidential and will never be distributed or sold!  
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Did You Know...?

The FHA, or Federal Housing
Administration, provides mortgage
insurance on loans made by FHA
approved lenders. FHA insures these
loans on single family and multi-family
homes in the United States
and its territories. It is the largest
insurer of residential mortgages in
the world, insuring tens of
millions of properties since 1934
when it was created.

The FHA wants you to get the loan
amount you are qualified for and
sets up conditions to allow you to
successfully buy an FHA home.

One
major mistake potential
homebuyers can make when
applying for an FHA home loan
is to make a major credit purchase.
Don't cloud your debt-to-income ratio
with a big purchase before applying
for your loan.

To pre-qualify for an FHA loan,
you should be able to demonstrate
employability, job stability and reliability.
FHA INSURANCE
FHA insured loans require mortgage
insurance to protect lenders against
losses that result from defaults on
home mortgages.

FHA LOAN LIMITS
FHA lending limits vary based on a variety
of housing types and the state and county
in which the property is located.

LOAN CHECKLIST  Learn More
Before you start the loan process,
you'll want to be prepared for the loan
application. Have your information
organized and ready for your loan officer.
Be prepared to pay for a property
appraisal and a credit report.

CLOSING COSTS
While FHA defines which closing costs
are allowable as charges to the borrower,
the specific costs and amounts that are
deemed reasonable and customary are
determined by each local FHA office.

FHA DEBT RATIOS
In order to prevent homebuyers from
getting into a home they cannot afford, FHA
guidelines have been set in place requiring
borrowers and/or their spouse to qualify
according to set debt to income ratios.

FHA CREDIT ISSUES Learn More
An FHA loan applicant's past credit
performance that demonstrates good
credit history and a solid track record of
timely payments will likely be eligible
for the mortgage.
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FHA Mobile Home Refinancing Lenders - Mobile Home Refinancing

Mobile Home with Land Loans
These homes are considered real
property just like a stick-built home.
Rate and Term Refinance
Cash Out Refinance Mortgage
Low Purchase Down Payment
Gift money is allowed.
If the home is manufactured tied to
land by deed or mortgage, it
must be on an approved foundation.