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David Heerse| NMLS# 1451356
Loan Officer

Let us help you achieve your dreams with a Federal Housing Administration (FHA) Loan, making homeownership more accessible by offering a lower down payment.

Getting to Know the Federal Housing Administration 

The Federal Housing Administration (FHA) is a government entity that offers mortgage insurance on loans made by FHA-approved lenders. The FHA provides insurance on mortgages for many different types of homes including single-family and multifamily homes. The FHA is completely funded by its own self-generated income, meaning there is no cost to taxpayers for its operation and services.

What Are FHA Loans?

FHA loans are insured by the Federal Housing Administration. These loans are designed to help first-time homebuyers and experienced homeowners alike by providing them with a low down payment option.  FHA mortgage insurance serves as protection for lenders in the event of a homeowner defaulting on their home loan.

How FHA Loans Benefit You

FHA-insured loans often give potential homeowners the option of making a lower down payment than they would need to make if using a traditional, non-FHA insured mortgage.

Additional FHA loan benefits include:

  • Down payments as low as 3.5%
  • Loan is guaranteed by the government
  • Less than perfect credit can apply
  • Energy-efficient mortgages, reverse mortgages, refinances, and renovation loans are also available.

FHA Loans Benefit Everyone

FHA loans don’t just benefit the potential homeowner – they also are beneficial for the economy as a whole by stimulating economic development, expanding tax bases, and creating jobs.

The FHA was created in 1934 as a direct response to difficulties in the housing industry, including unfavorable mortgage loan terms, low rates of homeownership, and widespread unemployment among construction workers

Get Pre-Qualified for an FHA Loan

Now is the time to take advantage of the many benefits FHA loans offer potential homeowners. Plus, it’s now easier than ever to qualify! Our home loan professionals will guide you through the FHA loan process with expert knowledge, competitive rates, and first-class service. Get started today.