FHA loans are available to eligible borrowers who meet applicable FHA and lender requirements. Qualification can depend on factors such as credit history, income, debt obligations, assets, property eligibility, and other underwriting criteria.

Qualified borrowers may be able to purchase a home with a down payment as low as 3.5%, subject to applicable FHA requirements and borrower qualifications.

Yes. FHA financing can be an option for eligible first-time homebuyers, although FHA loans are not exclusively limited to first-time buyers.

Eligible borrowers may be able to use an FHA 203(k) Renovation Loan to finance a qualifying home purchase or refinance together with eligible renovation and improvement costs, subject to program requirements.

Self-employed borrowers may be eligible for FHA financing if they meet applicable income documentation, credit, debt, asset, and underwriting requirements.

An FHA Streamline Refinance is designed for eligible borrowers with an existing FHA-insured mortgage and may provide an opportunity to refinance under FHA Streamline program requirements.

Eligible homeowners may be able to use an FHA Cash-Out Refinance to refinance an existing mortgage and potentially access a portion of their home's equity, subject to FHA requirements, property eligibility, and qualification standards.

FHA financing may be available for certain owner-occupied two- to four-unit properties, subject to applicable FHA property and borrower requirements.

The first step is to discuss your homeownership goals and financial situation with Rick Matthews. From there, you can explore FHA loan options that may fit your circumstances and learn about the documentation and requirements needed to move forward.