FHA Mortgage Loans*

FHA loans are providing new opportunities to potential homeowners across the country. With greater flexibility than ever before, FHA is making homeownership happen. FHA-insured home loans offer many benefits:

  • Easier to qualify for. You do not need to be a first-time homebuyer.
  • Available to borrowers with less-than-perfect credit: Even after bankruptcy, you can be considered after two years of discharge and once good credit has been established (Minimum credit score 620)1
  • Low down payments. Down payments can be in the form of a gift, and up to 6% seller assist.
  • Lower costs: Interest rates tend to be lower than conventional mortgage rates
  • 2 years of employment or self-employment
  • US citizenship is not required, but for those who are not citizens, they must be lawful permanent or non-permanent resident aliens with a valid Social Security Number

*Must meet certain qualifications; we will review these with you. 1Minimum FICO in declining markets is 660.

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Table data for Mortgage - FHA Rate
Term Points Rate (as low as) APR Alert Me
30 years 0 3.750% 3.837%
APR calculations for FHA rates are based on a $75,000 loan amount, and applicable prepaid charges. Please contact the mortgage department for down payment requirements - 610.997.6390. NMLS 595144