What Do I Need To Qualify-FHA

mortgage payment calculation

The FHA home loan program is one of the most popular loan programs in California. If you have a credit score above 620, a 3.5% down payment (which can be gifted), and a job with steady income you might qualify for a FHA loan. Some qualify with below a 620 credit score. The FHA home loan program is the loan … Read more

FHA Mortgage Insurance

FHA Mortgage Insurance Premium

FHA Mortgage Insurance (MI) is an insurance policy the homeowner pays in case of default. There are two forms; the first is a one time upfront amount at the time of closing and the second is a monthly amount that is attached to your mortgage payment each month. MI is apart of every FHA home loan issued. MIP is one … Read more

FHA Streamline Refinance

A Brown Home

One of the great refinance programs in the mortgage industry is the FHA Streamline Refinance program. It just may be the easiest and most efficient way to refinance a mortgage. Thousands of homeowners every year decide to access the program which allows a homeowner to lower their interest rate which puts them in a better financial situation. Some homeowners save … Read more

FHA Home Loan Guide-Updated

Brick Home

Throughout the year FHA home loan guidelines are updated to meet the ever changing marketplace. Our FHA home loan guide offers the following: Understanding what a FHA home loan is: We cover the basic definition of what is a FHA loan. We also cover the differences between a FHA loan and a Conventional loan. How you can use a FHA … Read more

Down Payment Options

Home in California

As a First Time Home Buyer you have several loan program options when it comes to financing your home purchase. The two most popular options are either a Conventional loan or a FHA loan and both offer programs with a low down payment option. Even with a 580 or higher credit score. The idea of the traditional 20% down payment … Read more

How Do I Refinance My FHA Mortgage

Home Owners

Refinancing your current FHA mortgage is a simple step by step process that usually can be completed in less than 30 days. As a homeowner you have several options open to you and it’s important you have a good understanding of what’s out there before you move forward. Do you currently have a FHA mortgage and are you looking to … Read more

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