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FHA Loans

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

LET’S GO FHA!

If you don’t think you can get financing because of your credit, or you just don’t have a lot money to put down…think again!  The Federal Housing Administration (FHA) insures mortgages that fit these types of scenarios, so that Sun American Mortgage can offer you an FHA loan that will meet your needs. With flexible qualification guidelines, these FHA 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. So let’s get started with an FHA loan!

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 (MIP) in your loan. 

Disclosure: This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA).

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Key FHA Loan Points

What is an FHA Loan?

If you don't think you can get financing because of your credit, or you just 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.

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.

Benefits of an FHA Loan

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

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The Lowdown

An FHA loan is excellent for someone who has less money to put down, and someone who has higher debt-to-income ratios, or someone whose credit is less than perfect.

Did you know

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

all the options

With flexible qualification guidelines, these FHA 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.

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