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Unsure which mortgage program will best fit your needs? contact us and one of our home loan advisors will help find a program that best fits your unique situation.

Are you a first-time homebuyer? An FHA Home Loan is a great program when purchasing your First Home or want to buy a home with less-than-perfect credit. FHA loans offer a low 3.5% down payment and have interest rates that are generally lower than conventional loans with the same terms. The FHA encourages home ownership and provides affordable housing opportunities with low down payment and flexible credit requirements.

An FHA loan is particularity beneficial to borrowers with less available cash due to their allowance of gift funds and seller credits in the transaction.

FHA Loan Pros and Cons

3.5% down payment
Easier credit and income qualification
Up to 6% in seller credits allowed
Gift funds available


Required Upfront and monthly mortgage insurance
Mortgage insurance is permanent for life of loan.