Las hipotecas del Federal Housing Administration (FHA) son más fáciles de calificar que los préstamos convencionales. El aplicante debe someter más documentación y debe pagar seguro de hipoteca con el pago de la hipoteca. Los préstamos de FHA representan una magnífica opción para quienes, sin el FHA, no podrían comprar casa.
Como el gobierno federal asegura las hipotecas de FHA contra clientes que podrían caer en mora, los prestamistas aceptan solicitudes de clientes con crédito no tan ideal. Los solicitantes de préstamos pueden calificar con primas de solamente 3.5% y con bajo puntaje de crédito - 500 puntos.
The Federal Housing Administration (FHA) loans are easier to qualify for than conventional mortgages. Borrowers typically have to submit more documentation and pay for mortgage insurance along with their mortgage payment. FHA loans are a great option for borrowers who would otherwise not be able to purchase a home. FHA loans are government insured, protecting lenders against borrowers who may default. This allows lenders to relax requirements for borrowers with less than ideal credit. Borrowers can qualify with a down payment of as low as 3.5% and with credit score as low as 500.
* Interest rates information is not an advertisement to extend consumer credit as defined by Section 226.2 of Regulation Z. This is not an offer to enter into an agreement regarding interest rates. The rates quoted do not include discount points, origination points, or loan level risk based price adjustments. Rates and terms are subject to change without notice.
Offered loan products may vary by state. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. Terms, conditions and programs are subject to change without notice. Eduardo Ramirez, Loan Officer, is not acting on behalf of or at the direction of HUD/FHA or any government agency. All rights reserved.
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