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FHA Loans Are Not a New Loan
I read this week on-line that in June 47.5% of all home purchases in Denver were with a FHA loan. WOW! I was astounded by this number. Three years ago I bet only 4-5% of all purchases were consummated with a FHA loan here in Denver. I definitely helped increase that percentage then.
You see when nearly every other mortgage professional was closing sub-prime loans I was closing FHA loans instead. In 11+ years I have only closed 6 sub-prime loans! Unless the borrower was already under contract on a home, I would instruct them on how to obtain a FHA loan whether it took 3 months or 3 years as I KNEW the sub-prime loans had trouble written all over them. I know I lost a lot of deals doing that in 2004-2006; but I had to do the right thing. Thankfully, by the grace of God I am still here doing the right thing. 
For the last 2 years in my industry I have seen hundreds of offers, emails, and mailers about how to become a FHA Expert as if they were some brand new loan. Each time I receive an offer to become a FHA Expert I quietly ... more

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