FHA Loans

FHA mortgages are loans that are insured by the federal government.  You pay the mortgage insurance directly to the government, rather than paying it to a private mortgage insurance company.

FHA loans are extremely popular right now for a number of reasons:

  • The down payment is only 3.5% of the purchase price.
  • You can get the down payment as either a gift or a loan from a relative.
  • FHA rates are usually lower than the rates for other types of loans, and people with lower credit scores get the same rate as people with higher credit scores.
  • There are shorter waiting periods after bankruptcies, foreclosures, and short sales for FHA loans than there are for most other types of loans.

FHA loans are NOT just for first-time home buyers.

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