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FHA HOME LOAN ADVANTAGES , North Carolina, South Carolina
Did you know, the FHA home loan provides more security to homeowners than ANY other mortgage program today. In cases of financial difficulty, you have a higher probability of NOT losing your home if you have an FHA home loan Vs. having a conventional or Sub-Prime mortgage loan. Plus, all FHA home loans are FULLY assumable, adding one more layer of protection for you and your family!
Minimal Down Payment and Closing Costs.
· Down payment less than 3% of Sales Price and 100% Financing options available
· Gift for down payment and closing costs are allowed up to 6% of Sales price.
· No reserves or savings required.
· Easy Credit Qualifying Guidelines
· No minimum FICO score or credit score requirements.
· FHA will allow a home purchase 2 years after a Bankruptcy.
· FHA will allow a home purchase 3 years after a Foreclosure.
http://fhamortgageprograms.com/ also known as 1st Continental Mortgage a company is dedicated to spreading the word about the benefits of the FHA mortgage programs available to first time homebuyers. With the sub prime market in turmoil and many lenders tightening up guidelines many mortgage companies are going back to the basics. Not only is the FHA mortgage easy to qualify for but there are many advantages to the program that the average American in unaware of. FHA mortgages are less expensive and easier for the first time homebuyer to qualify for. The program was created to help to increase homeownership in the United States. FHA program makes buying a home easier and less expensive than other types of real estate mortgage Programs. Some examples include, Federal Housing Administration is a government program overseen by Housing and Urban Development (HUD) to help low to moderate income to help Americans to obtain FHA mortgage loan on a 1-4 unit home.
Income Requirements for an FHA Mortgage Loan: There is no minimum income requirement to obtain an FHA mortgage Insurance, however, FHA would like to see steady income for at least 2 years, and demonstrate a consistently payment history.
Debt-to-Income Ratio: The FHA allows you to use 31% of your gross monthly income towards housing costs and 43% towards housing expenses reflected on your credit report. With a conventional loan the debt to income rations allows only 28% toward housing and 36% towards housing expenses and other debt. These requirements are not etched in stone and buyers can exceed these ratios if, you have a large down payment, have substantial cash reserves and other means to satisfy the mortgage payments.
Down Payment: In order to qualify for an FHA mortgage you must have a down payment of at least 3% of the purchase price of the home. These funds can come from a friend, family member or a non profit.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.