FHA (Government Loan)

An FHA loan is insured by the Federal Housing Administration, a federal agency within the U.S. Department of Housing and Urban Development (HUD). The FHA provides protection through mortgage insurance (MIP) in case a borrower fails to repay their loan. Available to all buyers, FHA loan programs are designed to help those with credit scores and debt-to-income ratios that do not meet conventional guidelines. 

Benefits of FHA Financing:

  • Low 3.50% down payment
  • Allows for lower credit scores
  • Higher debt-to-income ratios accepted
  • More flexible underwriting criteria than conventional loans

Have questions about Government loans? Call us at (707)290-5167. We are here to help!


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