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What is a FHA Loan?

FHA loans are government insured loans backed by the Department of Housing & Urban Development (HUD). This type of loan is very popular among first time homebuyers due to the low minimum down payment of 3.5% of the purchase price, and more flexible credit & underwriting standards.

FHA Loan Requirements:

  • Minimum down payment of 3.5 percent. The money can be gifted by a family member or employer.
  • Co-applicants may help you qualify, even if they will not be living in the home.
  • This loan is only available for primary residency.
  • The loan cannot exceed the maximum limit set by FHA on a county-by-county basis.

Learn more about FHA loan requirements and rates by talking with a Loan Officer today!

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