GEORGIA FHA MORTGAGE LENDERS PROGRAMS
The most important part of squiring an GEORGIA FHA mortgage is to get a pre-approval letter from and GEORGIA FHA mortgage lender. The peace of mind that comes with knowing that your mortgage loan and credit report have been approved will allow you to shop for your new home with confidence. And when you find a home and are ready to make an offer the fact that you have already been pre-approved by an GEORGIA FHA mortgage lender will give the seller confidence in you as a a solid GEORGIA FHA buyer.
FHA MORTGAGE LENDERS INFORMATION
FHA MORTGAGE LENDERS APPROVALS WITH MINIMAL DOWN PAYMENT AND CLOSING FEES:
- Down payment only 3.5% of the purchase price.
- Gifts from family or FHA Grants for down payment assistance and closing costs OK!
- Sellers can credit the buyer’s up to 6% of sales price towards buyers costs and pre-paid.
- No reserves or future payments in account required.
- FHA regulated closing costs.
- Read more about buying a home with an FHA mortgage Bad Credit –No Credit – Investment –Second Home –Multi Family –
FHA MORTGAGE LENDERS MAKE QUALIFYING EASIER BECAUSE YOU CAN PURCHASE:
- 12 months after a chapter 13 Bankruptcy FHA mortgage Lender approvals!
- 24 months after a chapter 7 Bankruptcy FHA mortgage Lender approvals!
- 3 years after a Foreclosure FHA mortgage Lender approvals!
- No Credit Score FHA mortgage Lender approvals!
- 580 required for 96.5% financing or 3.5% down payment FHA mortgage Lender approvals.
- 500 required for 90% financing or 10% down payment FHA mortgage Lender approvals.
- Bad Credit with minimum 500 FICO credit score with 10% Down Payment FHA. For FHA mortgage applicants with credit scores between 500 and 579 must make down payments of at least 10% down!
- Read more about FHA Qualifying Qualification Summary – Manual Underwrite – Collections-Judgement’s – Bankruptcy or Foreclosure – Compensating Factors –
FHA MORTGAGE LENDERS ALLOW HIGHER DEBT TO INCOME & EASIER JOB QUALIFYING
- FHA allows higher debt ratio’s than any conventional mortgage loan programs.
- Less than two years on the same job is OK!
- Self-employed buyers can also qualify with FHA Mortgage Lenders.
- Read More about Gifts For Down Payment – Documents Checklist – Debt To Income – Student Loans –
FHA MORTGAGE LOAN ARE EASIER TO QUALIFY FOR- FHA mortgage guidelines tend to be more lenient in areas such as credit, debt to income ratios and cash to close. Because of this FHA mortgage insurance borrowers will find that FHA mortgage rates are better than a conventional mortgage rates. The FHA mortgage provides all these benefits while protecting FHA mortgage lenders from loss.
INCOME RESTRICTIONS- FHA Mortgage Lenders do not set mandatory minimum or maximum income restrictions. But the private FHA mortgage lenders that provide these loans in some cases have minimum loan amounts. FHA does set the maximum loan amounts per city county and state. See our FHA loans limits page for the most update FHA loan limits.
What Type of GEORGIA FHA mortgage programs can we help you get approved for?
GEORGIA FHA Fixed Rate Mortgages (Section 203b) Through this program, HUD’s Federal Housing Administration (GEORGIA FHA) insures mortgages made by approved GEORGIA FHA mortgage lenders to people purchasing or refinancing a home of their own.
No Credit Score GEORGIA FHA Fixed Rate Mortgages (Section 203b) Through the GEORGIA FHA mortgage program, HUD’s Federal Housing Administration insures mortgages made by qualified lenders to people purchasing or refinancing a home of their own.
GEORGIA FHA Manufactured Home Mortgages (Section 203b) Through this program, HUD’s Federal Housing Administration (GEORGIA FHA) insures mortgages made by qualified lenders to people purchasing or refinancing a home of their own.
GEORGIA FHA Mortgages for Condominium Units (Section 234c) This program insures the loan for a person who purchases a unit in a condominium building.
GEORGIA FHA Bad Credit Mortgage Lenders – GEORGIA FHA mortgage approvals with min 580 fico score with 3.5% down. And GEORGIA FHA mortgage loan approvals down to 530 with 10% down payment.
GEORGIA FHA Adjustable Rate Mortgages (Section 251) This insures home purchase or refinancing loans with interest rates that may increase or decrease over time, enabling consumers to purchase or refinance their home at a lower initial interest rate
GEORGIA FHA Graduated Mortgage Payment (Section 245) Enables a household with a limited income that is expected to rise to buy a home sooner by making mortgage payments that start small and increase gradually over time.
GEORGIA FHA Growing Equity Mortgages (Section 245a) Enables a household with a limited income that is expected to rise to buy a home sooner by making mortgage payments that start small and increase gradually over time. The increased payments are applied to reduce the principal owed on the mortgage and thus shorten the mortgage term.
GEORGIA FHA Energy Efficient Mortgages Energy Efficient Mortgages Program (EEM) helps home buyers or homeowners save money on utility bills by enabling them to finance the cost of adding energy-efficiency features to new or existing housing as part of their GEORGIA FHA-insured home purchase or refinancing mortgage
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