Loan and Mortgage Options

FHA Loan Types

FHA Loan: Adjustable Rate Mortgages (ARMs)

The FHA adjustable rate mortgage is a HUD mortgage specifically designed for low and moderate-income families who are trying to make the transition into home ownership. Learn More

FHA Loan: Fixed Rate Mortgage

An FHA loan benefits those who would like to purchase a home but haven't been able to put money away for the purchase, like recent college graduates, newlyweds, or people who are still trying to complete their education. Learn More

FHA Loan: Energy Efficient Mortgage

The FHA Energy Efficient Mortgage program (EEM) helps current or potential homeowners significantly lower their monthly utility bills. It allows them to incorporate the cost of energy efficient improvements into their new FHA home loan or FHA refinancing loan. Learn More

FHA Loan: Graduated Payment Mortgage

Graduated Payment Mortgages are FHA loans for homebuyers who currently have low to moderate incomes but expect them to increase substantially over the next 5 to 10 years. Learn More

FHA Loan: Condominium Units

FHA Condominium Loans are specifically designed toward those who purchase housing units in a condominium building. Learn More

FHA Loan: Growing Equity Mortgage

FHA Section 245(a) allows those who currently have a limited income, but expect that their monthly earnings will increase, to purchase a home with the help of a Growing Equity Mortgage in which payments start small and increase gradually over time. Learn More

FHA News

"Back to work extenueating circumstances" FHA Initiative: Available August 15, 2013 - September 30, 2016

For purchase money transactions only, FHA is allowing consideration of borrowers who have experienced a verifiable " Economic Event " which resulted in foreclosure, deed-in-lieu, short sale, or bankruptcy, with a minimum of 12 months seasoning since event.


*Interest rates and APRs are based on current market rates and are for informational purposes only. Rates are subject to change without notice and may be subject to increase based on property type, loan amount, loan-to-value, credit score and other variables. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Adjustable-rate mortgage (ARM) rates and payments assume no increase in the financial index after the initial fixed period of the loan. ARM rates and monthly payments are subject to increase after the initial fixed period. Please contact us for more information.


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