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FHA Loan

Government-backed loans with lower down payment options for buyers.

FHA loans are designed to help more people become homeowners, offering low down payment options and more lenient qualification requirements.

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FHA Loan Features

These government-backed mortgages make homeownership more accessible.

Government Backing

FHA loans are insured by the Federal Housing Administration, reducing the risk for lenders and making it easier for borrowers to qualify.

Lower Credit Score Requirements

FHA loans often have more lenient credit score requirements, making them a good option for first-time homebuyers.

Low Down Payment

These loans typically require a lower down payment, which can be as little as 3.5%.

Assumable Loans

FHA loans can be transferred to a new buyer if the property is sold, potentially making it easier to sell your home.

Benefits of an FHA Loan

Easier Qualification

FHA loans are designed to help more people qualify for a mortgage, even if they have less-than-perfect credit.

Lower Down Payment

With a down payment as low as 3.5%, FHA loans make homeownership more accessible.

Flexible Terms

Borrowers can choose from various loan terms, including fixed and adjustable rates, to fit their financial situation.

Assumable Loan Option

If you sell your home, the FHA loan can be transferred to the new buyer, which can make your property more attractive.

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Choose A and N Mortgage for your FHA loan and benefit from expert guidance and supportive service tailored to your needs.

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loan FAQ

Loan Program

Frequently Asked Questions

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Some loans will allow you to secure just a 5% down payment plus closing costs. Another option is a piggy-back loan where you get approved for the first and second mortgage to avoid PMI. You could also apply for an FHA loan which only requires a 3.5% down payment.

However, your interest rate will likely be higher, and you will be required to buy private mortgage insurance (PMI).