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FHA Loans

What Are FHA Loans?

FHA stands for the Federal Housing Administration, a government agency that standardizes and insures home mortgages, which makes it easier for more people to get loans to purchase a home.

FHA Loan Requirements

The FHA requires that homes with FHA-backed loans meet certain standards. The homes must also be appraised by an FHA-approved appraiser in order to qualify. FHA loans require that you pay an up-front Mortgage Insurance premium of 1.75% of the loan amount. This may be paid at closing or rolled into the loan.

In order to pay your down payment with gift funds, the gift given must meet certain FHA requirements.

FHA Loan Limits

FHA loan limits vary by county, with loans in some counties financed for up to $679,650.

Are You Ready to Apply for an FHA Loan?

It’s easy! Simply apply online now through our WBM ApplicationTM or contact us to speak with one of our friendly FHA loan specialists for a no-obligation consultation.

Why Choose FHA Loans?

There are several reasons why FHA loans might be a good choice:

  • One of the easiest loans to qualify for
  • Great for first-time home buyers
  • Require down payments of only 3.5%
  • Generally allowed for borrowers with lower credit scores
  • You may pay your down payment with money you receive as a gift

How Much Home Can I Afford?

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