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Why get an FHA loan?

The Federal Housing Administration insures mortgages. FHA mortgage insurance provides lenders with protection against losses as the result of homeowners defaulting on their mortgage loans. The lenders bear less risk because FHA will pay a claim to the lender in the event of a homeowner's default. Loans must meet certain requirements established by FHA to qualify for insurance.

  • Put just 3.5% down
  • Easier to qualify for
  • Fixed and adjustable FHA loan rates are available
  • Refinance a conventional loan into an FHA loan

Lower Payments with Less Documentation

The FHA Streamline Refinance Program is a fast and easy way to lower your payments on an FHA mortgage. It's easier to qualify for an FHA Streamline Refinance because standard verifications are usually not required, and credit guidelines are flexible. Another advantage of streamline refinancing is that a home appraisal may not be required.

FHA Cashout

Want to get cash out with an FHA loan? If you have enough home equity, an FHA cash out refinance can provide a good source of funds to use for just about any purpose. Popular reasons for refinancing with cash out include: paying off credit cards, debt consolidation, home improvement, and money for personal expenses.

CHOOSING THE RIGHT LOAN

JUMBO

A home loan for an amount that exceeds conforming loan limits established by regulation, greater than $424,100 in most of the United States.

FIXED RATE

A traditional, fixed-rate mortgage protects you from rising interest rates, a popular choice for those who plan to live in their home long-term.

ADJUSTABLE RATE

The lower initial interest rate is fixed for a period of time, after which it resets periodically, often every year or even monthly.

NON-QM

Non-QM loans would typically be useful for borrowers with sporadic income, but a large amount of assets.

VA LOANS

Guaranteed by the U.S. Department of Veterans Affairs, it's designed to offer long-term financing to eligible American veterans or their surviving spouses.

FHA LOANS

Insured by the Federal Housing Administration, FHA loan is designed for low-to-moderate income borrowers with down payment as low as 3.5%.

USDA

A USDA home loan is a zero down payment mortgage for eligible rural and suburban home buyers, issued by the US Department of Agriculture.

HARP

HARP is a federal program to help underwater and near-underwater homeowners refinance their mortgages.

We offer a wide range of products to tailor your individual needs

NEWS

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WORKING FOR YOU

Our licensed lending officers are held by a strict "no steering" policy and are not incentivized to sell one loan over another.

USA CUSTOMER FOR LIFE

After you refinance with us once, we’ll waive the lender fees and reimburse appraisal fees on any future refinance with USAloans.

MORTGAGE EXPERTISE

Our seasoned mortgage bankers are standing by to assist you with all your best interest in mind.

BRING YOUR MORTGAGE NEEDS TO US!

Our knowledgeable & experienced mortgage bankers will provide you with the lowest rate

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