FHA Loan Programs

From low downpayment programs to the best interest rates available, FHA loans are always the best option for a home purchase.

 

FHA loans are also designed to help repeat homebuyers, and homeowners who want to refinance their exising home loans.

 

Find an FHA Program below and let us help you today!

Purchase Programs

First Time Home Buyer

This FHA loan program was created to help increase homeownership.The FHA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan programs Read more>>

Buy with a Downpayment Gift

Buying a home with a down-payment gift (usually from a famly member) is called a 'Gift of Equity' home loan. Read more>>

Buy a Rehab-'Fixer Upper' (203k Loan)

A 203(k) rehab purchase is a government-backed FHA loan that allows homebuyers to finance both the purchase price and renovation costs of a fixer-upper in one mortgage. It is ideal for properties needing repairs or upgrades, covering structural and cosmetic improvements while requiring only a low down payment. Read more>>

Buy a Multi-Family Home

An FHA multifamily home loan is a government-backed mortgage insured by the Federal Housing Administration (FHA) for properties with two to Four Unit. These loans offer lower down payments, flexible credit requirements, and competitive interest rates, making them ideal for investors or owner-occupants seeking rental income opportunities. Read more>>

Mobile/Manufactured Home

An FHA mobile or manufactured home loan is a government-backed mortgage designed for purchasing manufactured or mobile homes. It offers low down payments, flexible credit requirements, and competitive interest rates. These loans apply to homes on permanent foundations, those on leased land or those in approved mobile home parks Read more>>

Jumbo Home Loan

An FHA jumbo home loan is a mortgage that exceeds the standard FHA loan limit but remains within FHA guidelines. It allows borrowers to purchase high-cost homes with a lower down payment and flexible credit requirements. Loan limits vary by location, typically in expensive housing markets. Read more>>


Refinance Programs

Refinance with Cash Out

An FHA cash-out refinance loan allows homeowners to refinance their existing mortgage and withdraw a portion of the home's equity in cash. This loan is backed by the Federal Housing Administration (FHA), offering lower down payments and easier credit requirements compared to conventional refinancing options. Read more>>

Debt Consolidation

An FHA Debt Consolidation Refinance Loan allows homeowners to combine multiple debts into a single loan, often at a lower interest rate. This loan is backed by the Federal Housing Administration (FHA), making it easier for those with less-than-perfect credit to consolidate debts and reduce monthly payments. Read more>>

Home Improvements Refinance

An FHA Home Improvement Refinance Loan, also known as the FHA 203(k) loan, allows homeowners to refinance their existing mortgage and include the cost of home improvements. This government-backed loan is designed to help borrowers finance repairs or renovations, with lower down payments and more flexible qualification requirements. Read more>>

Streamline Refinance

An FHA Streamline Refinance loan is a simplified refinancing option for homeowners with an existing FHA loan. It allows for lower interest rates and reduced documentation requirements. This type of refinance requires minimal credit verification and appraisal, making it faster and easier to complete than traditional refinancing. Read more>>

Jumbo Loan Refinance

An FHA Jumbo refinance loan is a type of mortgage that combines the benefits of a Federal Housing Administration (FHA) loan with the higher loan limits of a jumbo loan. It allows homeowners to refinance loans that exceed the typical FHA limits while still benefiting from FHA's favorable terms. Read more>>

Reverse Mortgage (HECM)

An FHA Reverse Mortgage, also known as a Home Equity Conversion Mortgage (HECM), is a government-backed loan allowing homeowners aged 62 or older to convert part of their home equity into loan proceeds. These funds are typically used for retirement, with no monthly payments required, and the loan is repaid when the homeowner moves or passes away. Read more>>