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Buying a House

FHA
Loans

FHA loans offer lower rates with easier qualification terms.   

What is a FHA Loan?

An FHA loan is insured by the Federal Housing Administration (FHA) and has a low minimum credit score and down payment requirement. An FHA loan was designed to help first-time homebuyers, low-to-moderate-income individuals, and families become homeowners by offering lenient lending standards compared to other loan programs.

Key Features of FHA Loans

  • Lower down payment, often as low as 3.5%

  • Easier credit requirements

  • Limited closing costs

  • Fixed or adjustable rates

  • Can be used to purchase, build, renovate, or refinance â€‹

Who Can Benefit From An FHA Loan?

  • First-time homebuyers​

  • Individuals with lower credit scores

  • People who have a limited ability to make a large down payment 

Livingroom Interior

Is an FHA Loan Right For You?

Contact us today to learn more about the benefits of an FHA Loan. 

© 2025 Stonegate Productions, Inc. d/b/a STONEGATE MORTGAGE. All rights reserved. NMLS #169184. Equal Housing Opportunity. The above advertisement is not a commitment to lend and not all applicants will qualify. The terms, information, conditions, rates, and programs described above may change without notice, and all loan applications are subject to credit and property approval. Certain other restrictions may apply. STONEGATE MORTGAGE is not affiliated with any government entity.

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