Phil Holguin, Sr. Loan Officer at Empower Home Loans
FHA Loans
FHA Loans
Why Consider an FHA Loan?
More Than Just a First-Time Homebuyer Loan
First-time buyers
Repeat buyers
FHA Mortgage Insurance
Why It Exists
How It May Be Structured
Assumable FHA Loans
FHA Streamline Refinance
Frequently Asked Questions
Ready to Get Started?
LOAN PROGRAMS
Your Gateway to Homeownership
FHA loans are government-insured mortgages that may help eligible borrowers purchase a home they plan to live in. Phil can walk you through whether FHA financing could be a fit for your goals.
FHA financing can be a practical path toward homeownership for eligible borrowers — with options that may fit a range of circumstances.
FHA financing is not limited to first-time homebuyers. It may be worth considering for both first-time and repeat buyers depending on their circumstances — including goals, finances, and the property involved.
FHA loan programs, terms, eligibility, property requirements, and availability are subject to borrower qualification, FHA guidelines, lender requirements, and applicable loan limits.
If you are buying a home for the first time, FHA financing may be one of the options Phil can help you compare based on your situation.
If you have owned a home before, FHA financing may still be worth considering depending on your circumstances and qualification.
A general overview of how FHA mortgage insurance may work.
FHA loans typically include mortgage insurance that helps protect the lender. That insurance is part of what allows approved lenders to offer FHA financing to eligible borrowers.
How FHA mortgage insurance is structured can vary by loan and program guidelines. Phil can explain how it may apply in your scenario rather than treating any one structure as universal.
An existing FHA loan may be assumable by a qualified buyer, subject to lender/servicer and FHA requirements. Assumption is not automatic, and eligibility depends on the loan, the buyer, and applicable guidelines.
Eligible existing FHA borrowers may have access to a streamlined refinance process, subject to program requirements. Whether a streamline refinance is available — and how it works — depends on the current loan and applicable FHA guidelines.
Get answers to the most common questions about FHA loans
Let us help you understand whether an FHA loan could fit your next move.
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