Refinance using FHA Loan Programs

1^st Confidential Mortgage is Licensed FHA Mortgage Company in Alabama, Florida, Indiana, Louisiana, Maryland, Mississippi, Missouri, New Mexico, North Carolina, Pennsylvania, South Carolina, Tennessee and Texas.

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!

Some advantages of using a FHA mortgage for your mortgage refinance include:

• Cash Out up to 95% for existing or new FHA mortgages.

• Cash Out up to 95% of your properties value.
• Consolidate first and second mortgages into single loan.
• consolidation Bill into one low monthly payment
• Easier credit and income qualifications.  

• Rate and Term Mortgage (no cash out refinance) up to 97% of your homes value.

• Consolidate first and second mortgages into one loan.
• No Credit score or credit score requirements
• Bankruptcy OK
• Foreclosure OK
• Easier credit and income qualifications.
• regulated FHA closing costs.

• FHA Streamline Refinance for existing FHA loans only.

• No Cost Interest Rate Reductions programs.
• No Income or Credit Qualifications*.
• Zero cost refinance options available.
• Easily switch amortization for adjustable to fixed or vice versa.
• Easily shorten or lengthen term of your existing loan.
• Easier credit and income qualifications.

Check the lending limits in the following States

FHA 203K Loans http://www.fhahomeloanmortgage.com/203K_program.shtml

FHA Frequently Asked Questions from HUD http://www.hud.gov/offices/hsg/sfh/faqs/faqs_sf.cfm

http://www.fhamortgageprograms.com/ Frequently Asked Questions

The Federal Housing Administration http://www.hud.gov/offices/hsg/fhahistory.cfm

other Usefull FHA Links 

FHAPurchase
 Streamline Refinance
 Mobile Home Loans
 FHA Secure Loan 
 Reverse Mortgage
 FHA 203K Loan
 FHA Credit Flex
 FHA Myths 
 FHA MIP 
 FHA Guidelines
 FHA Rates