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FHA Loans

FHA Loans

An FHA loan is a mortgage insured by the Federal Housing Administration (“FHA”), a government agency within the U.S. Department of Housing and Urban Development. These loans are a safe, viable option for building credit in today’s tough real estate market. Your down-payment can be as low as 3.5% of the purchase price, and in many cases your closing costs and fees can be included in the loan. The FHA allows home sellers, builders and lenders to pay some of the borrower’s closing costs, which include appraisal, credit reports and/or title expenses.

Two Mortgage Insurance Premiums are required on all FHA loans. The first is the upfront premium and the second is the annual premium. Contact your mortgage professional to learn more about these premiums and the current annual premiums for your loan amount.

FHA also offers a special loan product designed to finance home repairs and improvements called a 203K. Click here to learn more.

*Keypoint Mortgage LLC is an FHA-Approved lender.

Feel free to contact us with any questions you may have regarding this loan product.

This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Loans are subject to credit and property approval. Other limitations may apply and not all products are available in every state. Availability of programs is subject to change without notice. Please contact me for more information.

Window of Opportunity for Jumbo Borrowers

To simplify the reason why let’s put it this way:  jumbo borrowers are generally very safe, and loans to them are a profitable bet for large banking institutions. These large banks want as many Jumbo borrowers and loans as possible.  The result is a very competitive market for jumbo loans at the current time. LEARN MORE ABOUT JUMBO MORTGAGES

Condos: A Solid Step Into Homeownership

Before you dive in feet first, get a basic understanding of how condominium ownership differs from owning a single-family home or a townhome. LEARN MORE ABOUT CONDOS.

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