FHA Loans

​An FHA loan is a mortgage insured by the Federal Housing Administration and created to help more people qualify for homeownership. This type of loan is often chosen by buyers who may not meet the stricter requirements of conventional financing due to credit history, limited savings, or a shorter financial track record.

FHA loans typically allow for lower down payment options and more flexible credit guidelines, making them a common choice for first-time homebuyers and those rebuilding financial stability. Because the loan is insured by the federal government, lenders are able to offer terms that are more accommodating than many traditional loan programs.

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While FHA loans can provide an accessible path to purchasing a home, they also include specific requirements, such as mortgage insurance and property standards, which are important to understand when considering this option. For many buyers, however, FHA financing represents an opportunity to revisit the idea of homeownership when it once felt out of reach.

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(Not a commitment to lend. All loans subject to approval. FHA guidelines apply.)