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Federal Housing Administration
FHA Loans

FHA insured loans are also available to teachers and officers as a part of a HUD’s efforts to revitalize low to moderate income neighborhoods. Full-time state certified teachers, whether employed by public school or private, can purchase a home in their district using a FHA insured loan as long as they are in good standing with their employer. Likewise, full-time police officers can purchase a home with a fifty percent discount using a FHA insured loan and a $100.00 down payment.

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The insurance on FHA loans is provided by the government, but not the loans themselves. Though little or no down payment is necessary, fair credit and sufficient income to repay the loan are requirements. While there is no maximum to the amount of income one may have in order to qualify for a FHA loan, it is important that your monthly housing payments (insurance, principal, interest, etc.) not exceed 29% of your monthly income and also that the loan not exceed the maximum allowed for your particular county. For example, in Hertford, North Carolina, the maximum for a one-family home unit is $160,176.00. However, for New York, New York the maximum is $290,319.00 for a one-family home unit.

These federally insured loans are convenient for first time buyers, those with moderate incomes, and senior citizens. New limits set by the FHA on January 1, 2003 aid senior citizens who qualify for reverse mortgages, which allow eligible homeowners over the age of 62 to borrow against their homes without giving up ownership. This reverse mortgage is not paid by the owner, but is settled when the house is sold or the owner is deceased.

Federal Housing Administration Loans are loans that are insured by the Department of Housing and Urban Development (HUD), but are provided by independent lenders, giving borrowers the opportunity to obtain loans with low interest rates and significantly reduced down payments. Fill out our short form to contact up to four FHA loans lenders today.

 


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  Need Cash? Considering a Home Equity Loan? Why not get cash out from your equity and refinance in one process. Select ‘Refinance’ on the application and specify your ‘Cash-Out’.
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FHA loans are a popular alternative to conventional loans and are easy to pass along to a new buyer should you eventually sell your home. Read more and apply for the help of a qualified mortgage professional to see if you qualify foran FHA loan.. A private lender can often grant loans that institutional lending institutions will refuse to carry. If you need a loan in less than two weeks or you are doing a non-conventional (large) loan you may consider contactin a private lender… Buy a home now and get locked in at a great rate. Our application will set you up with as many as four loan quotes with one short form…
A licensed mortgage broker can tell you all of your options for refinancing your house. If you have seen improvements in your credit or in the over all market rates there are probably savings to be had. Contactin a mortgage professional is the first step… Even a rate drop as small as one percent can mean that mortgage rates have changed enough to make it time for another refinance if you plan on staying in your home for more than a few years…

Equity loans can be taken out to get cash for a large purchase or to simply consolidate and pay off higher interest debts from credit cards or other debts. Expo Financial can get you up to four competitive quotes to get you the best rates possible…

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