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. 

• 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!