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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 FHA lender can offer you a lower interest rate regardless if you have
some bad credit, limited credit and or you have low credit scores.
If you currently have a FHA Loan and
would like to refinance to a lower FHA Mortgage rate then
the FHA streamline refinance is the right FHA Loan Program
for you. If you don't have any equity don't worry we don't
need an appraisal.
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No Appraisal Required |
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No Income Documentation |
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Low Credit Scores ok |
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Low 15 & 30 Year Fixed
Rates |
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Low Credit Scores ok |
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No Cost FHA Refinance |
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No Equity Required |
MORE 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.
FHA Energy Efficient Mortgage
The Energy
Efficient Mortgage program (EEM) helps
current or potential homeowners significantly lower their
monthly utility bills. It allows them to incorporate the
cost of energy efficient improvements into their new FHA
home loan or FHA refinancing loan.
FHA Graduated Payment Mortgage
Graduated
Payment Mortgages are FHA loans for homebuyers who
currently have low to moderate income but expect to
increase over the years. Payments start low and increase
gradually over time.
FHA Condominium Loans FHA Condominium
Loans are specifically designed toward those who want to purchase
housing units in a condominium complex. |