Securing the future of American Homeownership

Please note: There are no fees to submit your application or to request your free consultation with an FHA loan officer. These services are provided to you at no charge and no obligations. Not a government agency, Not a Lender. Not affiliated with HUD or the FHA.

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FHA Mortgages Explained

Why ask for an FHA mortgage loan? There are many reasons to ask your lender for an FHA loan instead of a conventional loan or an expensive, risky sub-prime loan. Lower cost – FHA loans have competitive interest rates because the Federal Government insures the loans. Always compare an...

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The Home Buying Process

If you have never bought a home before the process may seem complicated! But buying a home with an FHA loan is really no different than buying a home with any other loan-except–you have more protection against foreclosure with FHA, it is also easier to qualify, and you don’t...

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Qualifying

Your lender will decide if you qualify for a mortgage based on the “Four 4 C’s of Credit”: Credit history Capacity to repay Cash to close Collateral How the lender rates you in each of these four categories determines your ability to repay the loan on a monthly basis....

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Bad Credit is OK

Having bad credit no longer means that you cannot get the financing you need, or that you have to accept less than favorable terms. Because the loan is insured by the Federal government, you will get the loan you need, at the terms you want. No minimum credit score...

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Deciding on an Escrow Account after a Refinance

The monthly mortgage dues of a borrower consist of homeowner’s insurance, private mortgage insurance and property taxes apart from the mortgage principal and interest payments. Lenders require that you pay the insurance amounts and the property taxes in an escrow account held by a third party called escrow services....

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HUD Guidelines for Manufactured Homes

A set of directives prepared by the Department of Housing and Urban Development (HUD) may have served to enhance the quality of manufactured homes. Homebuyers are quite willing to apply for mortgages for this highly affordable quality of housing. Here are the key guiding principles put forward by the...

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