FHA Loans

A FRIENDLY PATH TO HOMEOWNERSHIP: THE FHA HOME LOAN

Here's what makes FHA home loans special:

  • Government-Backed: The FHA is part of the government, and they promise to help the bank if there are any problems. This makes the bank more comfortable lending you money.
  • Lower Down Payment: Many loans require you to pay a big chunk of the house's price upfront.  With an FHA loan you only need to put down 3.5% of the home's price 
  • Friendly Credit Requirements: Some people have trouble getting loans because of their credit history. But FHA loans have more forgiving requirements. This means that even if you've had some financial difficulties in the past, you might still be able to get this loan.
  • Property Standards: The house you're buying must meet certain safety and quality standards. An FHA-approved appraiser will check the house to make sure it's in good condition.
  • Mortgage Insurance: Since the FHA is taking on some risk, you'll have to pay for mortgage insurance. This is an extra cost added to your monthly payment, but it's what allows the down payment and qualifications to be more flexible.

An FHA home loan can be a great option if you're buying a house for the first time or if you need a little extra help with the process. It's designed to make home ownership more achievable and less overwhelming. 

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*This does not represent an offer or solicitation for the sale or purchase of any specific mortgage product from Lend Mortgage Solutions. Eligibility for mortgage loans from Lend Mortgage Solutions is subject to specific requirements, which may include credit score, employment history, income level, and other relevant factors. Please note that meeting these minimum eligibility requirements does not guarantee loan approval. The terms, rates, and conditions of any mortgage loan from Lend Mortgage Solutions may vary significantly based on Lend Mortgage Solutions policies and the applicant's creditworthiness. Before entering into any loan agreement, applicants are strongly encouraged to thoroughly read and understand all associated terms and conditions. Independent financial and legal advice is recommended to fully comprehend the implications and suitability of any mortgage loan product to an individual's specific circumstances. Conditions and exclusions apply. This is not a commitment to lend and is contingent on qualification per full underwriting guidelines.
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50-50 Mortgage Inc. DBA: Lend Mortgage Solutions is a Licensed Real Estate Broker, California Department of Real Estate. NMLS #2289265 DRE #02172716 | Equal Housing Opportunity | For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply.

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