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FHA Loans

Learn more today!

See if you qualify for a Loan!

FHA LOAN

An FHA loan is a great product for first-time homebuyers! This type of mortgage is insured by the Federal Government and will protect the lender from any losses that may occur if the home goes into foreclosure. The FHA loan program is more lenient when compared to other conventional loans because it doesn’t require a minimum credit score to qualify.

USING AN FHA LOAN 

For borrowers with a lower credit score, getting assistance when trying to buy a new home is understandably difficult. When using an FHA loan, you won’t be immediately disqualified for having a lower credit score. Underwriters will usually review credit and financial histories for the past 1 to 2 years for all applicants. With a mortgage (that is funded by an FHA loan), homebuyers must make a down payment of at least 3.5% of the final sales price. Total costs for an FHA loan approval are generally between 6 to 8% of the sales price after covering the down payment, closing costs, taxes, and insurance.

FHA loan applicants must have a steady employment history, along with a valid Social Security number. The property must be assessed and approved by an appraiser to be able to qualify.

To learn more about an FHA Loan, contact USAFC Realty.

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This information is deemed reliable but not guaranteed.You should rely on this information only to decide whether or not to further investigate a particular property. BEFORE MAKING ANY OTHER DECISION,YOU SHOULD PERSONALLY INVESTIGATE THE FACTS (eg square ft & lot size) with the assistance of an appropriate professional.You may use this information only to identify properties you may be interested in investigating further.All uses except for personal, noncommercial use in accordance with the foregoing purpose are prohibited.Redistribution or copying of this information,any photographs or video tours is strictly prohibited.This information is derived from the Internet Data Exchange (IDX) service provided by San Diego MLS.Displayed property listings may be held by a brokerage firm other than the broker and/or agent responsible for this display.The information,any photos and video tours and the compilation from which they are derived is protected by copyright.Compilation ©2020 San Diego MLS & CRMLS.
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This information is deemed reliable but not guaranteed. You should rely on this information only to decide whether or not to further investigate a particular property. BEFORE MAKING ANY OTHER DECISION, YOU SHOULD PERSONALLY INVESTIGATE THE FACTS (e.g. square footage and lot size) with the assistance of an appropriate professional. You may use this information only to identify properties you may be interested in investigating further. All uses except for personal, non-commercial use in accordance with the foregoing purpose are prohibited. Redistribution or copying of this information, any photographs or video tours is strictly prohibited. This information is derived from the Internet Data Exchange (IDX) service provided by San Diego MLS. Displayed property listings may be held by a brokerage firm other than the broker and/or agent responsible for this display. The information and any photographs and video tours and the compilation from which they are derived is protected by copyright. Compilation © 2020 San Diego MLS.
©2020 CRMLS. All rights reserved. Some listings on this website are from CRMLS as of San Diego MLS data last updated at January 24, 2020 11:32 AM PT The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
San Diego MLS data last updated at January 24, 2020 11:32 AM PT
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