FHA Mortgage Loans
FHA Mortgage Loans
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Who is Guaranteed Rate?
We’re one of the largest retail mortgage lenders in the nation, funding $23 billion in home loans during 2016. We aim to win your trust and your business through a genuine desire to serve you, evident by our 95% customer satisfaction**.
- A low, low rate on the right mortgage product, along with transparent, fair fees.
- Technology that streamlines the mortgage process and simplifies each step.
- Unmatched service and expert advice to help you find the perfect mortgage.
What is an FHA loan?
An FHA home loan is a mortgage insured by the Federal Housing Administration. FHA loans reduce the barrier to entry for homebuyers and refinancers by featuring low down payments, flexible credit requirements and more purchase power. If funds are limited, an FHA mortgage can help you finance more than 80% of your home value.
- 3.5% down payment option for qualified borrowers.
- Minimum 580 or higher FICO score.
- More flexible underwriting qualifications than conventional loans.
- No maximum income restrictions.
- Fixed and ARM conforming loan options up to $679,650.
- Seller assistance with up to 6% of closing costs.
With an FHA loan, you can use borrowed money and other gifts from family members to cover down payments and closing costs. And don’t worry about prepayment penalties! An FHA loan lets you refinance or pay off your home early without having to deal with extra fees or other sticking points.
Is an FHA loan right for you?
From first-time homebuyers to families struggling with a down payment, FHA home loans can benefit all types of customers. Not sure if your current finances or credit rating will let you qualify for a mortgage? A secure government-insured loan could be right for you!
FHA Renovation products and HFA programs are ineligible, including Arizona Home Plus, City of Phoenix - Maricopa County IDA Process, City of Tucson - Pima County IDA Process, CalHFA, Golden State Finance Authority, Colorado (CHFA) Process, Denver Metro Mortgage Assistance (DMMA) Process, El Paso County Housing Authority (EPCHA) Process, Connecticut Housing (CHFA) Process, Washington DC Open Doors Process, Hillsborough County Florida DPA, Florida Housing Finance Corporation Process, Georgia Dream Process, Iowa Finance Authority, Idaho Housing DPA Process, City of Chicago (HBAP) Process, Illinois Assist Process, IHDA, Indiana Housing (IHCDA) Process, Kansas Housing (Sedgwick-Shawnee), Kentucky Association of Counties (KACo) DPA Process, Kentucky Housing Corporation (KHC), Mass Housing Process, NeighborWorks Southern Mass, Maryland Housing, Maine State Housing Authority (MSHA) Process, Michigan Housing (MSHDA), Dakota County (MN) CDA Process, Minnesota Housing Finance Agency Process, Missouri Housing (MHDC) Process, Kansas City Beyond Housing (NeighborhoodLIFT), Montana (MoFi) HomeNow, Chenoa, North Carolina Housing Finance Agency (NCHFA) Process, HouseCharlotte, North Dakota Housing Finance Agency (NDHFA) Process, New Jersey Housing (NJHMFA), Nevada Housing Process, Nevada Rural (NRHA) Process, Communities First Ohio DPA Process, Ohio Housing Finance Agency (OHFA) Process, Oklahoma REI, PHFA, South Carolina Housing Process, South Dakota Housing Development Authority, Southeast Texas Housing (SETH) Process, Texas State Affordable Housing Corporation (TSAHC) Process, Texas Veterans Land Board Process, Utah Housing Corp (UHC) Process, Virginia Housing (VHDA) Process, Washington State Housing Finance Commission, and Wisconsin Housing (WHEDA) Process.
**95% Customer Satisfaction: Data Source: Guaranteed Rate’s Client Satisfaction Surveys (Averaged 2007-2017)
Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.