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FHA Loans

FHA loans have been helping Yumans become homeowners since 1934. How do they do it? The Federal Housing Administration (FHA) – which is part of HUD – insures the loan, so we can offer you a better deal.

  • Low down payments
  • Low closing costs
  • Easy credit qualifying

What does FHA have for you?

Buying your first home?
FHA might be just what you need. Your down payment can be as low as 3.5% of the purchase price. The FHA loan limit in Yuma County is currently $331,760.  For other areas, you can look up FHA loan limits here, or contact us for a personal review!  Available on 1-4 unit properties.

Less than perfect credit?

FHA loans do not require perfect credit, and can help buyers with lower FICO scores get financing for a home.  With some of the lowest FICO score requirements, if you need low FICO financing, an FHA loan may be the solution for you.

Financial help for seniors
Are you 62 or older? Do you live in your home? Do you own it outright or have a low loan balance? If you can answer “yes” to all of these questions, then the FHA Reverse Mortgage might be right for you. It lets you convert a portion of your equity into cash.

Want to make your home more energy efficient?
You can include the costs of energy improvements into an FHA Energy-Efficient Mortgage.

How about manufactured housing and mobile homes?
Yes, FHA has financing for mobile homes and factory-built housing. We have two loan products – one for those who own the land that the home is on and another for mobile homes that are – or will be – located in mobile home parks.

What about down payment assistance?

If you don’t have time to save up all the down payment yourself, consider getting a gift from a family member, or a down payment assistance grant.

Find Out More!