FHA Loans

These loans are guaranteed and administered by the Federal Housing Administration (FHA). FHA loans have a low 3.5% down payment, and that money can come from a family member, employer, or charitable organization as a gift.

FHA loans have competitive interest rates because the Federal government insures the loans. An FHA insured mortgage may be used to purchase or refinance a new or existing 1-4 bedroom family home or a condominium unit.

You don’t have to have a perfect credit score to get an FHA mortgage. In fact, if you have had credit problems, such as a bankruptcy, it’s easier for you to qualify for an FHA loan than a conventional loan.

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