FHA Home Loans
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- Perfect for First Time Home Buyers
- We Are Professionals You Can Trust
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- Office located in Los Angeles
Irina Dyakun, CEO
Irina Dyakun, CEO
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Why an FHA Home Loan is for You?
If you want to buy a home but don’t have 20% to put down, or your credit history isn’t perfect, then an FHA mortgage is for you. This is the easiest type of loans that you can qualify for, which combines a low down payment and relatively easy qualifying standards. FHA mortgage loans are perfect for those who are not approved with conventional lenders, and this type of loan has a few appealing features.
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What is an FHA Loan?
FHA stands for the Federal Housing Administration. This is a Government agency that was created in 1934 to increase homeownership in the USA. FHA doesn’t issue the loans; instead, it provides security and mortgage insurance to lenders: if you are not able to repay your loan, the FHA will do it.
Because of the governmental guarantee lenders are more willing to make rather large mortgage loans in cases when otherwise they would be unwilling to do so, for example to buyers with a bad credit history. The Federal Housing Administration is the largest insurer of mortgages globally. Today, one out of two loans in the US is an FHA loan.
What are the Benefits of an FHA Mortgage Loan?
Looking to purchase a house in Los Angeles, or anywhere in California but do not have enough finances to apply for a traditional mortgage? FHA loan is the excellent option. The guidelines and requirements for an FHA mortgage are much more lenient. You don’t need to have a perfect FICO score or a large down payment.
Perfect for the First Time Home Buyers
Low Interest Rates
Finances for Home Repairs
Gift Fund as a Downpayment
You can use a gift fund as a 100% of down payment on a house (for primary residences only).
What Are the Requirements for Getting an FHA Loan?
FHA Home Loan Process
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How to Apply for an FHA Loan
We will gladly assist you and help to get qualified for this type of home loan. The following information is required to be prequalified:
- Your current address and Social Security number;
- Employment history for the past two years;
- 2 most recent Bank statements;
- 2 Most recent years of W2’s forms;
- 2 Most recent years of Federal tax returns.