FHA Loan Program:

The FHA (Federal Housing Administration) is a government backed loan with a minimum down payment requirement of 3.5%. They are insured by the Department of Housing and Urban Development (HUD) and has flexible credit requirements, moderate qualification guidelines and low down payment. The maximum loan amount varies by county and state.

Benefits of FHA Loans:

  • Low down payment (3.5% down)
  • Gifts for down payment and closing costs are acceptable if made by a relative
  • Credit scores under 720 have lesser impact on the interest rate vs. Conventional
  • Relatives may be a co-borrower with occupant to help qualify
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