Government Programs - FHA Loans 

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   FHA loans provide; 

• Flexible lending solutions by offering loans to qualified borrowers who have; 
• Low to moderate income 
• less than perfect credit,need 620 Credit score 
• Higher debt-to-income ratios
• Require Low Down Payments
• These government insured loans are IDEAL for borrowers who;
• Are First-Time buyers or move up buyers with Little down.
• Have past Credit Issues
• Are wishing to Refinance Sub-Prime Loans

   FHA HIGHLIGHTS INCLUDE:

• Down payments as low as 3.5% of sales price. It's TRUE! Just ask us how.
• Family members may pay ALL of borrower's required down payment, closing costs and/or prepaid expenses.
• Higher Debt-To-Income ratios (what you owe vs. what you make) than a standard conforming or conventional loan program allows.  We can help you to become a homeowner even if you have negative factors within your credit history. 
• FHA Loans on; 
•  Purchases * Rate/Term Refinances * 1-4 unit properties
•  Streamlines (FHA to FHA) Refinances
•  85% Loan-To-Value  Cash-Out Refi's  (Being able to get additional cash from a refinance of up to 85% of the figure obtained when the Loan Amount divided by Property Value)                              

Refinancing With an FHA Loan

  If you need to refinance your current home FHA offers lower rates and up to 85% cash-out with no price adjustments. If you currently have an FHA mortgage you can do a streamline refinance with no credit check or appraisal.  This saves you $$$ !

                                  FHA Web site link www.fha.gov                                

        Click on APPLY NOW to get approved for an FHA loan !

                      If you have questions on FHA, please email s1261@earthlink.net