FHA Loans are some of the best home loans for first time home buyers. They make home ownership easier, more affordable, and attainable to Americans.

Advantages of FHA Programs:

¤ Low cash required - only 3% of total.
¤ No cash reserves required.
¤ 100% gifts allowed with minimum down payment mortgage.
¤ Low closing costs - all mortgage insurance can be financed
¤ Larger seller contributions - up to 6% on a minimum down payment mortgage.
¤ Higher debt-to-income ratios allowed - 29/41.
¤ Credit scores are not mandatory.
¤ Nontraditional credit histories can be considered.
¤ FHA loans are assumable at the note rate.
¤ Cash out refinances to 85% with no higher rate.
¤ Non-owner occupant co-borrowers allowed with a minimum down payment mortgage.
¤ FHA streamline refinances - no doc refinances for investor properties at owner-occupied rates.
¤ Condominiums are acceptable with 51% owner-occupancy within the project.
¤ Citizenship not required with a minimum down payment mortgage.
¤ Appraisals are good for six months.
¤ It is a government program.

To find out how FHA loans will help your situation, Call us at (702) 777-9023, fill out our Pre-Qualification Application or use our contact form below.

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