FHA Loan:

Your Mortgage Shop FHA mortgage loans are issued by federally qualified lenders and insured by the U.S. Federal Housing Authority, a division of the U.S. Department of Housing and Urban Development.

YMS FHA loans are some of the most competative an attractive option, especially for first-time homeowners but not olnly for first time homeowners:

• Generally easier to qualify for than conventional loans.
• Down payment as low as 1/2%. See CHF ACCESS Loan with DPA.
• Debt to income ratio up to 50%
• Fico score as low as 580 = 99.5% Finance with Down Payment Assistance
• Fico score as low as 500 = 90% Finance
• No Fico borrowers with 3.5% down payment, ask us how.
• Late payments may be OK
• Cannot exceed statutory loan limits.

Learn more about FHA loans. (Department of Housing and Urban Development)

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