FHA
Home Loans
What is an FHA Mortgage?
The FHA mortgage was designed by the Federal Housing Administration (FHA) to help families who may have otherwise been excluded from the housing market buy their dream home.
The Federal Housing Administration (FHA) was established to improve housing standards and provide an adequate home financing system with mortgage insurance.
FHA Loans vs. Conventional Home Loans
The main difference between a FHA Loan and a Conventional Home Loan is that a FHA loan requires a lower down payment, and the credit qualifying criteria for a borrower is not as strict. This allows those with minor credit problems to buy a home.

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Unlike conventional home loans, FHA loans allow you to:
Is an FHA Home Loan Right for You?
Despite the name, the FHA does not provide home loans.
It simply insures a home loan in the event that the homebuyer defaults on the loan. Because of this “risk,” the FHA places certain requirements on the type of home, condition, and location of the property.

Another common misconception about FHA mortgages is that you must be a first-time homebuyer to take advantage of this type of loan.
While it’s true that FHA loans help many first-time homebuyers get into the real estate market, you do not have to be a first-time buyer in order to qualify.