FHA Loans

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.

• Fixed Rates
• Adjustable Rate Mortgage (ARM)
• 3.5% Down Payments
• Jumbo & Super Jumbo Loans
• Terms from 5 to 30 Years