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Is an FHA Loan for Me?

This loan may be what you’re looking for if you need more flexibility on your credit history and downpayment. FHA loans are insured and backed by the Federal Housing Administration. The process to apply for an FHA loan is a little easier for most buyers. Because of the requirements of this loan, interest rates may be higher than a conventional loan. Buyers may have to pay a monthly mortgage insurance premium along with their monthly mortgage payment.

What Are the Benefits of an FHA Loan?

  • Lower down payments
  • Lower credit thresholds
  • Popular for refinancing

What Do I Need to Qualify?

  • Loan amount – FHA Loans have a Max Limit.
  • Down payment – FHA loans require at least a 3.5% downpayment
  • Property condition – FHA loans require that the home being purchased must meet certain conditions and be appraised by an FHA-approved appraiser.

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