First Time Home Buyer Programs

FHA First Time Home Buyer Programs have been helping borrowers since 1934.

How?

The Federal Housing Administration (FHA) � insures the loan, so an FHA lender can offer you a better deal.

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

Buying a Home with an FHA Loan

First Time Home Buyer Loans

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 a home with a Family Member Gift

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program Read more �

 

Mobile Home Loans

An FHA Title I loan may be used for the purchase or refinancing of a manufactured home, a developed lot on which to place a manufactured home, or a manufactured home and lot in combination. The home must be used as the principal residence of the borrower.. Read more �

 

Buy an Investment Property (3 units +)

The idea of owning rental real estate has been gaining popularity as investors tire of the swoops and swoons of the stock market. The FHA has 'non-owner' occupied programs programs for those investors. Read more �

 

 

Buy a 2nd Home or Vacation Home

As home prices drop, many American families are using this opportunity to purchase that second home with an FHA home-equity credit line drawn on their primary residence. Read more �

 


Construction Loans

Buying a 'Fixer-Upper' & Adding Funds for Home Improvements

An FHA 203K Purchase and Rehab Loan can work in this situation. The 203K has many advantages. Put simply it is a mortgage insured by FHA that allows a home buyer to add rehab funds into a mortgage.
Read more �

 

Consolidate  Debts

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending expert to talk over your financial situation so you�re not left to figure out everything completely on your own.  Read more �

 

Refinance an Investment Property (3 units +)

The Federal Housing Administration (FHA) offers  refinancing programs where the required equity is typically much lower when investment property is being refinanced, and the guidelines usually are less stringent than most conventional banks loans. Read more �

 

USDA Rural Home Loans

If you live in a small town, rural area or farmlands situated in a location approved by USDA Rural Development, you may be able to purchase a home with up to 100% financing. The United States Department of Agriculture (USDA) were designed to encourage rural development, meaning city homes are excluded. United States Department of Agriculture (USDA) sets lending guidelines for the program, which is why it can feel confident in your home financing decisions with step-by-step guidance from an experienced USDA Mortgage Banker.

 
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