FHA Loans


 FHA loans allow qualified buyers, especially first-time homebuyers, to purchase a home with as little as 3.5% down and offer flexible options for those who may not qualify for conventional financing. Down payment assistance programs may also be available to help reduce upfront costs.

    Borrowers may need to provide documents related to:

    • Employment & Income: Tax returns, W-2s/1099s, recent pay stubs, and self-employment income documents if applicable.
    • Assets & Savings: Recent bank statements and investment or retirement account statements.
    • Credit Information: Current bills, rent history, utility bills, bankruptcy documents, and proof of payments for co-signed accounts if applicable.
    • Personal Identification: Driver’s license, Social Security card, immigration documents, divorce or child support paperwork, and homeownership records.
    • Refinance or Rental Property Documents: Current mortgage information, property tax bills, homeowners insurance, and rental agreements for investment properties.