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What is an FHA Loan?

An FHA loan is a type of government-backed mortgage insured by the Federal Housing Administration, a branch of the U.S. Department of Housing and Urban Development, or HUD. Because they are government-backed, FHA home loans have attractive interest rates and less rigid qualifications.

Where do I start?

Find an FHA-approved lender that you can trust.  Ask friends, family and colleagues for recommendations from lenders that have helped them in the past.  Check online reviews and ratings from the Better Business Bureau to ensure you’re working with a qualified lender.  It’s also convenient to work with a lender in your neighborhood, making it easy for you to meet with a loan officer and get personalized service.

Get prequalified for an FHA loan.  If you haven’t already, contact a trusted lender to complete a loan application and get prequalified.  This gives you an advantage when shopping for homes and will help the process move along smoothly and efficiently.

Shop for your dream home.  Work with a real estate agent to find the home that’s perfect for you.  If you don’t already have an agent, your lender may be able to refer you to an experienced partner.

Make it official!  Your lender will walk you through the loan process, answering your questions along the way.  Soon you’ll be holding the keys to your new home!

I’m Ready!

Contact First Ohio Home Finance today to get started on your FHA loan.

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