FHA has been helping people become homeowners since  1934. The Federal Housing Administration FHA – which is  part of HUD, insures the loan, so we your lender can offer you a lower interest rate regardless if you have some bad credit, limited credit and or you have a low credit score.

	Low & No Down Payments
	Non-Occupying Co-Borrower for easier qualifying
	Low Credit Scores
	Easy Credit Qualifying
	First Time Home Buyers
	85% Cash-Out Refinance.
	FHA Streamline Refinance (No Appraisal, Credit & Income needed

FHA LOAN PRGRAMS

FHA Fixed Rates
FHA Loans come in 5, 30 & 40 Year Fixed Rates. The longer it's fixed the higher the rate is.

FHA Adjustable Rates
For those that would like to have a lower payment and not plan on staying in the home for a long period. You can get 3 to 7 year fixed after the fixed period the rate will automatically move to an adjustable interest rate.

FHA First Time Home Buyer Programs
FHA might be just what you need. We offer 100% No money down for qualified borrowers. Also easy qualifier 3.5% down payment, and most of your closing costs can be included in the loan. Available on 1-4 units.

FHA Cash-Out Refinance
Would you like to Refinance your current mortgage and pull some cash out? Borrow up to 85% Loan to Value and use the cash for any reason.  Want to lower your current rate? Refinance up to 97%  No Cash Out with one loan.

Handy Man Special
FHA has a loan that allows you to buy a home, fix it up, and include all the costs in one loan. Or, if you own a home that you want to re-model or repair, you can refinance and add the cost of repairs - all in one loan.

Reverse Mortgages for Seniors
Are you 62 or older? Do you live in your home? Do you own it outright or have lots of equity? If you can answer "yes" to all of these questions, then the FHA Reverse Mortgage might be right for you. It lets you convert a portion of your equity into cash. Just pull the cash out when you need it. It's available when you need the cash.

Manufactured Housing and Mobile Homes
Yes, FHA allows financing for mobile homes and manufactured housing. If you own the land and it has a permanent FHA foundation then Not a Problem. Again FHA allows Low Credit scores and some bad credit.