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An FHA home loan is the #1 choice for first-time homebuyers.

An FHA mortgage loan is a government-backed home loan with more flexible lending requirements than conventional loans. Easier qualifying coupled with lower rates and costs make FHA a great choice for you.

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Homebuying

Homebuying is easy with an FHA home loan

  • Down Payment with as little as 3.5% down + the entire down payment can be a gift.
  • Seller can contribute up to 6% of purchase price towards your closing costs.
  • Less-than-perfect credit allowed. FICO scores as low as 560.
  • Easy qualifying with higher debt-to-income ratios.
  • Lower rates than conventional loans.
Refinancing

Great reasons to refinance with a FHA loan

  • Get more cash-out, can refinance up to 85% of your home’s value.
  • Debt consolidation and home improvement solutions.
  • Credit challenges are no problem can have FICO score as low as 560.
  • Skip up to 2 mortgage payments.
  • Receive an escrow refund from your current lender.
  • Lower rates than conventional loans.
  • No origination costs and no closing cost options.
HomeLife Mortgage is a company with a reputation of delivering excellent service for over 25 years.
Get pre-qualified today