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HUD - FHA Purchase Programs

The most important step in purchasing a new home is to get a pre-approval letter for a home loan. The peace of mind that comes with knowing that your mortgage loan and credit report have been approved will allow you to shop for your new home with confidence. And when you find a home and are ready to make an offer the fact that you have already been pre-approved for your loan amount will give the seller confidence in you as a buyer.

What Type of FHA programs work for you ?

Fixed Rate Mortgages (Section 203b) Through this program, HUD's Federal Housing Administration (FHA) insures mortgages made by qualified lenders to people purchasing or refinancing a home of their own.

Adjustable Rate Mortgages (Section 251) This insures home purchase or refinancing loans with interest rates that may increase or decrease over time, enabling consumers to purchase or refinance their home at a lower initial interest rate

Graduated Payment Mortgages (Section 245) Enables a household with a limited income that is expected to rise to buy a home sooner by making mortgage payments that start small and increase gradually over time.

Growing Equity Mortgages (Section 245a) Enables a household with a limited income that is expected to rise to buy a home sooner by making mortgage payments that start small and increase gradually over time. The increased payments are applied to reduce the principal owed on the mortgage and thus shorten the mortgage term.

Energy Efficient Mortgages Energy Efficient Mortgages Program (EEM) helps homebuyers or homeowners save money on utility bills by enabling them to finance the cost of adding energy-efficiency features to new or existing housing as part of their FHA-insured home purchase or refinancing mortgage

Mortgages for Condominium Units (Section 234c) This program insures the loan for a person who purchases a unit in a condominium building

FHA Approved Lenders

These are just a few of the FHA approved lenders that we may use to find you the best loan in your state.

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