FHA Loans provide a great option for many home buyers, not just first time home buyers. Just about anyone can use an FHA Loan. Some of the benefits of an FHA Loan are low down payment money (usually 3.5%), more flexible guidelines than a conventional loan, and most lenders offer FHA Loans. FHA Loans can offer both fixed rates and variable interest rates. One of the great things about an FHA Loan is that it allows for gift funds to be used. So in other works, parents can gift down payment money to their children. Gift money can be used for all or part of the down payment.

FHA Mortgage Insurance has had some changes over the past few years. The annual insurance premiums on FHA Loans increased and so did the Up-Front Mortgage Insurance Premium (UFMIP).

Call your RREA in house lender today to learn more about an FHA Loan that might be best for your next home – 281.388.3500.

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