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FHA Loans

A FHA Loan is a loan option offered through the Federal Housing Administration. This financing option is available for all income levels and allows a co-applicant to help the borrower qualify even though they will not live in the home. A FHA loan may be a good option to consider if your client:

  • Expect to buy a lower priced home with a small down-payment
  • Have less cash available up front for the down-payment and closing costs


  • Low down-payment options.
  • Available for a variety of loan terms.
  • Requires mortgage insurance.
  • Flexible income, debt, and credit requirements.
  • Down-payment and closing costs may come from a gift or grant.
  • A co-applicant can help you qualify even though they do not live in the home.
  • Available in a variety of fixed-rate and adjustable-rate loan options


  • The borrower typically has to pay an up-front, as well as a monthly FHA mortgage insurance premium.
  • The borrower typically can only have one FHA mortgage at a time.


Fixed-Rate Mortgage (FRM)

A mortgage interest that are fixed throughout the entire term of the loan.

Adjustable-Rate Mortgage (ARM)

A mortgage with an interest rate that changes during the life of the loan according to movements in an index rate. Sometimes called AMLs (adjustable mortgage loans) or VRMs (variable-rate mortgages).


Correspondent and Wholesale Mortgage Services
1800 Parkway Place, Ste 820, Marietta, GA  30067
Office:  (770) 578-3600
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