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FHA loans may make it easier to buy or refinance
The Federal Housing Administration (FHA) offers loans with low down payments for buyers, and a streamlined process when you’re ready to refinance.
Streamlined refinance for existing FHA loans
If your current mortgage is an FHA loan, the streamlined refinance process may help.
- No appraisal required
- No credit check
- No income verification
Down payments as low as 3.5%
If you’re a first-time homebuyer or have limited funds, FHA financing can be a great way to expand your homeownership opportunities.
- Buy a home with as little as 3.5% down
- May allow you to use a gift or grant for all or a portion of down payment and closing costs
- Requires less cash upfront, but you typically have to pay FHA mortgage insurance premiums
- Lets you qualify with a co-applicant, even if the person doesn’t live in the home
Tip
FHA loans have the benefit of a low down payment, but consider all costs involved, including up-front and long-term mortgage insurance and all fees. Ask your home mortgage consultant to help you compare the overall costs of all your home financing options.
Ready to get started?
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1-877-510-2079
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More government mortgage options
More government mortgage options
VA Loans
Department of Veterans Affairs (VA) loans provide financing on primary residences for veterans and other borrowers who meet the eligibility requirements of the VA program. Talk to a home mortgage consultant for details.
- Offer low- and no-down payment options for qualified borrowers, and do not require monthly mortgage insurance.
- Allow closing costs to come from a gift or grant.
- Require a one-time VA funding fee that can be financed into your loan or paid in cash at closing.
- May provide 100% financing for qualified borrowers.
- Refinance your current VA loan with minimal out-of-pocket expenses.
