FHA Loans: Smart, Flexible Options for Your Homeownership Journey

We believe everyone deserves the opportunity to build a stable future through homeownership. That’s why we’re proud to offer FHA loans, which are government-backed mortgages insured by the Federal Housing Administration. These loans are designed to help more people become homeowners by offering lower down payment options and more lenient credit requirements. And we’ll always recommend what’s best for you. If an FHA loan is the perfect fit, we’ll partner with a trusted third party to help you close your loan after we get it started. And we’ll be by your side the entire way.

Home Purchase: Whether you’re a first-time homebuyer, have limited savings, or have had a few financial hiccups in the past, an FHA loan could be the perfect fit. And with a down payment as low as 3.5%, your budget will have some breathing room.

Refinance Options: Already own your home? FHA loans also offer two powerful refinancing tools to help you make the most of your equity and lower your monthly costs.

• FHA cash-out refinance: Take advantage of the equity in your home to potentially get a lower interest rate and extra cash for home renovations or to pay off high-interest debt. Even if you’re struggling with your credit or you have a higher debt to income ratio, you may qualify with easier approval than traditional refis!
• FHA Streamline refinance: If you currently have an FHA mortgage, you might be able to lower your rate and payment.
• No appraisal required
• No maximum LTV/CLTV required
• No tax returns or verification of income for non-credit qualifying loan option

Our experienced Mortgage team is here to guide you through our FHA loan options with compassion and expertise. Schedule an appointment today!