Federal Housing Administration (FHA)

FHA loans are designed for low-to-moderate-income borrowers; they require a lower minimum down payment and lower credit scores than many conventional loans.

Federal Housing Administration Loans (FHA)

  • are insured by the Federal Housing Administration
  • allow for a low down payment, as little as 3.5% down
  • offer low down payment for multi-family properties (owner-occupied)
  • offer flexibility with lower credit scores and higher debt-to-income ratios
  • typically offer a lower interest rate and lower closing costs than conventional loans

If you would like more information about financing a home with a FHA Loan or would like to find out if you qualify for a FHA Loan, contact Spruce Mortgage today.

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