Home Loan – Sun American Mortgage | Arizona, Utah, California

FHA Loans

Buying a home has never been so easy! Complete the form and we’ll show you a full plan on the best home loan options for you!

Discover the Right Payment! Get A Free Cost Analysis!

Read terms and conditions HERE.

FHA Loans: Everything You Need to Know

What is an FHA home loan?

If you don’t think you can get financing because of your credit, or you don’t have a lot of money to put down…think again! The Federal Housing Administration (FHA) insures mortgages that fit these types of scenarios so that we can offer you an FHA loan that will meet your needs. With flexible qualification guidelines, these loans are particularly designed to benefit first-time homebuyers and buyers who don’t have perfect credit or a lot of money to put down.

FHA is the largest insurer of residential mortgages in the world. The FHA loan allows buyers to purchase as little as 3.5% down.

Is an FHA Loan right for me?

An FHA loan is a home loan that is insured by the FHA. In other words, there’s a guarantee that if you fail to repay the mortgage, FHA insures the lender that a portion of that debt will be paid. This is the reason you are required to pay a Mortgage Insurance Premium in your loan.

What are the benefits of an FHA Loan?

Low down payment as low as 3.5%. Gifts and seller contributions are allowed. Easier qualifying guidelines. The FHA loan is assumable, meaning someone can take over the loan for you.

See What You Qualify For

35+ Years Changing Lives

100+ 5-star Customer Reviews

1,000+ 5-star Customer Reviews

200+ 5-star Customer Reviews

Homes made possible

Fill in your details and I’ll get you a free mortgage payment quote!

Read the terms and conditions HERE.

White Sun American Mortgage Logo

Got Questions?

We’d love to hear from you!

Read the terms and conditions HERE.