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Key Features and Benefits of FHA Home Loans:

  • You may qualify to buy with a low, 3.5% down payment.
  • Credit scores from 620 are allowed for fixed-rate loans.
  • Both fixed-rate and adjustable-rate mortgages (ARMs) available.
  • You may finance a single-family home, 2-4 unit property, modular home, condominium or a Planned Unit Development (PUD) property.
  • Temporary buydowns may reduce your initial interest rate for 1-2 years.
  • Usually FHA loans work very well with government, state and local down payment assistance programs.

FHA 203(b) Fixed

If you are a first-time homebuyer an FHA Loan might be a good choice for its relaxed requirements and predictable payment schedule. 

The Fixed Rate FHA options. Fixed means your P&I Principle and Interest Portion of your Payment will never change for the life of your loan. FHA loans also have Mortgage Insurance set for the life of the loan that CAN NEVER be eliminated. Only Conventional loans have the self eliminating Mortgage Insurance feature usually at the 22% equity.

FHA loans are insured by the Federal Housing Administration. Generally, these are a good option if you have a lower credit score and limited employment history or are self employed. Interest rates for FHA loans are usually a small margin higher than conventional loan interest rates.

FHA 203(b) Fixed FOR REFINANCING - USA CONVENTIONAL HOME LOAN

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