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Looking for FHA Loan?

An FHA loan is a mortgage loan that's insured by the Federal Housing Administration (FHA), which is a part of the U.S. Department of Housing and Urban Development (HUD). These loans are designed to help low-to-moderate-income borrowers who might have difficulty qualifying for a conventional mortgage loan.


An FHA loan is essentially a government-backed mortgage aimed at helping people buy homes with more flexible terms than traditional mortgages

Here we have a staff that will walk you through obtaining your FHA Eligibility Certificate and explain your options. At Fast Money For Flips we offer FHA Financing for qualified borrowers.

                                  Advantages of VA Loan

The guarantee FHA provides to lenders allows them to provide you with more favorable terms, including:

  • Borrowers can qualify with as little as 3.5% down, making homeownership more accessible.

  • FHA loans are more lenient with credit scores, allowing borrowers with lower scores to qualify.

  • FHA loans typically allow for higher DTI ratios, accommodating borrowers with more debt relative to income.

  • FHA loans can be transferred to a new buyer, offering potential benefits in a rising interest rate environment.

  • Existing FHA borrowers can refinance more easily with lower documentation and costs.

  • FHA loans can finance various property types, including single-family homes, condos, and multi-family homes, as long as it's the borrower's primary residence.

Loan Criteria

Credit Score:


A minimum credit score of 580 is typically required to qualify for the 3.5% down payment option.

Steady Income & Employment:

Proof of employment and income is required, typically with at least two years of steady employment.

Loan Limit:

FHA loan limits vary by county and are based on the median home prices in the area. Borrowers must meet the loan limit requirements for their county.

Down Payment:

A minimum down payment of 3.5% of the purchase price or appraised value is required

Primary Residence Requirement:

For a FHA loan, the property must serve as the borrower's primary residence, meaning it's where they live most of the year.


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