Loan Programs

FHA Loan

FHA Loans

What Is A FHA Loan?

FHA loans, or Federal Housing Administration Loans, is a mortgage that is insured by the FHA and issued by an FHA-approved lender – a bank or another financial institution. In other words, the FHA does not make or offer loans, it insures loans to protect from foreclosure. In the event of foreclosure, the lender is protected by mortgage insurance issued by the government through the FHA. The insurance covers the full value of the loan. 

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FHA Loans

Federal Housing Administration

An FHA loan is a government-backed mortgage that is insured by the Federal Housing Administration. This branch is part of the U.S department of Housing and Urban Development (HUD).  FHA borrowers pay for mortgage insurance which protects the lender in case the borrower defaults on the loan. FHA loans do not require a large down payment and have many advantages over other types of loans.

It’s important to remember, however, that though FHA loans require lower down payments and credit scores than conventional loans, they do carry other stringent requirements.

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Contact us today to begin your FHA loan application, we’ll walk you through each step of the process.

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