LOAN SERVICES

FHA LOANS

WHAT IS A FHA LOAN?

FHA Loans are government-insured mortgages backed by HUD, making them a popular option—especially for first-time homebuyers. Available for purchasing or refinancing a primary residence, FHA loans offer some of the most flexible guidelines in the mortgage industry, including a low 3.5% down payment.

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Key benefits include:

Lower credit score requirements (580+, sometimes no score needed)
Alternative credit accepted (rent, utilities, insurance)
Seller contributions up to 6% toward closing costs
Gift funds allowed for down payment and closing costs
First-time buyers welcome
Manufactured homes eligible