| FHA Loans - FHA Home Loans - FHA Home Mortgage Loans - 50 States FHA loans, Federal Housing Administration mortgage insurance backed mortgage loan provided by an FHA-approved lender. Request FHA home loans here. |
| FHA HOME MORTGAGES Let FHA Loans Help You! What Is An FHA Loan? An FHA loan is a loan insured against default by the FHA. 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. Rate and Term Refinance, you may go up to 97.75% of your home's value. Cash Out Refinance Mortgage at 85% your home's value. Puchase Down Payment at 3.5% of the home's value. Gift money is allowed. If you presently have an existing FHA loan, a streamline refinance is for you. Low documentation and, most often, no appraisal requirement makes and 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. If the home is manufactured tied to land by deed or mortgage, the home must have an approved foundation. We always "go the extra mile" to earn your business. No INITIAL CREDIT CHECK and NO OBLIGATION--FREE QUOTE Learn more about ...... FHA STREAMLINE REFINANCE and FHA JUMBO LOANS |
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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
Manufactured and
Mobile Home Loans
Direct resource of loan products
for manufactured homes and
mobile home financing Read more
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
Manufactured and
Mobile Home Loans
Direct resource of loan products
for manufactured homes and
mobile home financing Read more
| 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.
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.
| 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. |
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