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FHA Home Loans Vs. Conventional Loans 0 - 3% Down Payment 5% Down Payment* Lower Monthly Mortgage Insurance Higher Monthly Mortgage Insurance Maximum 1% Origination fee Unlimited Origination fee No Credit Score Requirements Credit Scores Required Controlled Loan Closing Costs No controls on amount or type of loan closing cost. Can qualify for loan two years after Bankruptcy Must wait four years** after bankruptcy to qualify Can qualify for loan three years after Foreclosure Must wait four years after Foreclosure to qualify Higher qualifying Ratio's Lower qualifying ratio's Seller Can credit up to 6% towards buyers closing costs Maximum seller credit is 3% towards buyers closing costs Termite Report & Clearance required on all purchases Termite Report & Clearance not required on purchases Property must meet FHA minimum condition standards No property condition standards
* 3% available at higher interest rate or with seller concessions.
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Attention Realtors, we will give FREE pre-Quals within minutes, If you have a client in your office or looking at a property, call us and we will approve them over the phone and email approval letter in minutes.