FHA Loans
FHA Loans are government-backed mortgages insured by the Federal Housing Administration. FHA 
borrowers pay for mortgage insurance, which protects the lender from loss if the borrower default son the loan. 

Benefits of a FHA loan include:

  • Negotiable interest rate.
  • Minimum credit score to qualify: 500 (But must put 10% down).
  • Minimum down payment of 3.5%.
  • Closing costs may be covered.
  • Can pay upfront or annually.
  • Cash can go towards home repairs.

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