FHA Purchase FHA Loan | FHA Home Loans | FHA Purchase Loans | Rates
An FHA purchase loan for the purchase of a home with a low down payment and great rate. Offering FHA loans for an FHA home purchase. Purchae Loan
What an FHA Loan Can Do For You
Buying a 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 loans have been helping people become
homeowners since 1934. How is this done?  The Federal Housing Administration
(FHA), which is part of HUD, insures the loan so you can get the best deal.  
Low down payments, Low closing costs, Easy credit qualifying
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
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.
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Here is a list of the FHA Loan Qualifications:

You will need to have 2 years of steady employment--not necessarily by
the same employer but it is preferred.

Your income should be similar or increasing for the past 2 years.

You should have less than two 30 day periods of late payments on
your credit reports.

If you have declared bankruptcy, then it must be at least 2 years old,
and you will have to have good credit since then.

Foreclosures will need to be older than 3 years and have good credit since then.

Mortgage payment should be about 30% of your gross income.

Let FHA Loans Help You!

We always "go the extra mile" to earn your business.
No INITIAL CREDIT CHECK and NO OBLIGATION
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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.
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.
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.
Did You Know...?

FHA Streamline Refinance
Want to refinance your FHA
mortgage?
If you presently have an FHA
mortgage, you can easily qualify
for a Streamline FHA Refinance
Mortgage. Easier guidelines--no
appraisal, low documentation for
rate and term...
   Read more

Do You Know if You
Qualify?

VA IRRRL Streamline Refinance
The Interest Rate Reduction Loan
for no or low doc refinance
Drastically reduce your monthly
payment! ...
 Read More

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