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FHA Loans

Learn more today!

See if you qualify for a 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.


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.

Your next home is waiting for you!


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