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FHA Loan Program

FHA mortgage programs are available to all buyers. These programs are designed to help creditworthy low-income and moderate-income families who do not meet requirements for conventional loans. FHA loan programs are particularly beneficial to those buyers with less available cash.

FHA Loan Benefits:

  • Only requires a 3.5% down payment.
  • Debt-to-income ratio as high as 55%
  • Ability to use money received as a gift for a down payment and/or settlement costs
  • Allows for no cost, no qualifying “streamline” refinance
  • Requires up-front & monthly mortgage insurance (MI)
  • Flexible qualification guidelines.

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