Home loans

FHA
loans.

Insured by the FHA, with flexible credit guidelines.

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The program

A first home, with more room in the rules.

An FHA loan is a mortgage insured by the Federal Housing Administration. Because the FHA insures the lender against loss, lenders can accept a wider range of credit histories and a smaller down payment than on many conventional loans.

Borrowers pay mortgage insurance premiums, at closing and as part of the monthly payment. Vadim walks you through what that costs and how it compares with a conventional loan before you decide.

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What to know

Four things to know about FHA loans.

  1. 01

    Mortgage insurance is part of it

    FHA loans carry mortgage insurance premiums, paid at closing and monthly, which protect the lender.

  2. 02

    For the home you live in

    The home must be your main residence, and it has to meet FHA property standards.

  3. 03

    Sellers can help

    The seller can contribute toward your closing costs, up to a limit.

  4. 04

    Loan limits by county

    The FHA sets a maximum loan amount for each county, updated every year.

Working with Vadim

One broker, from the first call to the keys.

  1. Talk it through

    A call about your plans, your numbers and your timeline.

  2. Apply once

    One application and one credit check, while Vadim looks at several lenders.

  3. Vadim shops the loan

    As a broker, he compares loans from multiple lenders and brings you the options.

  4. Close

    He stays with you through underwriting, the appraisal and closing.

Loan programs

Nine ways to buy or refinance a home.

Buying your first home, refinancing the one you have, or borrowing against it. Investing instead? See the investor loans.

For homebuyers

Buying or refinancing a home

Owner-occupied loans

Ask about home loans
09Programs
  1. ConventionalA standard mortgage that isn’t backed by the government.
  2. FHAInsured by the FHA, with flexible credit guidelines.
  3. VAFor eligible veterans, service members and surviving spouses.
  4. USDAFor eligible homes in rural and some suburban areas.
  5. JumboFor loan amounts above the conforming limit.
  6. RefinanceChange your rate or term, or take cash out.
  7. Second MortgageBorrow against your equity and keep your first mortgage.
  8. RenovationBuy or refinance and fund the renovation in one loan.
  9. Down Payment AssistancePrograms that can help cover your down payment.