FHA LOAN
FHA Home Loans
FHA Home Loans are a popular option for home buyers that need more lenient credit standards and more latitude with debt-to-income ratios than conventional loans. With an FHA loan, if you have some past credit issues, such as collections, charge-offs, foreclosure or bankruptcy, you may still be able to buy a home.
Get Smart . . . Get Pre-Approved with the loan geeks today!
The Advantages of FHA Loans
- You can buy a home with as little as 3.5% down payment.
- You can qualify with a lower credit score compared to other loans.
- You may qualify with past derogatory credit events (e.g. collections, charge-offs, foreclosure or bankruptcy) compared to other loans.
The Benefits of Getting an FHA Loan with the Loan Geeks at Finance of America Mortgage
- We are an FHA-approved / Agency direct lender with extensive experience process FHA loans every day!
- With our State-of-the-Art Two-X Online Application process, you’ll get a fast, efficient, completely online process that is available 24/7/365 from application to closing. And you can monitor the progress of your home loan throughout the process.
- Our Loan Geeks Home Loan Experts are available to answer your questions by phone and email. We are here to assist you through the entire home loan process.
How FHA Loans Work
- You can only get an FHA Loan from and FHA-Approved mortgage lender – such as The Loan Geeks at Finance of America Mortgage
- FHA Loans are insured by the Federal Housing Administration
- It is because of this FHA insurance that the qualification requirements for credit and debt-to-income are more lenient for FHA loans compared to other loans.
- In most cases you will pay the FHA mortgage insurance, up-front and monthly, which are typically added into your loan and monthly payment, respectively.
- The home you choose to buy must meet the FHA minimum property standards.
Still not sure which loan is right for you?
Apply Online
With our State-of-the-Art Two-X Online Application technology, getting a home loan has never been easier or faster. you will be walked through the application process step-by-step. And the help of a Loan Geeks Home Loan Expert is never more than a mouse click or phone call away.
Talk to a Loan Geeks Home Loan Expert!
If you are not comfortable starting the application process online, no need to worry. A Loan Geeks Home Loan Expert is available to answer all of your questions and get you started! Answer a few quick questions on the contact request and we’ll have a Loan Geeks Home Loan Expert call you.