top of page
Family On Farm

FHA LOAN PROGRAMS

FHA loan programs are government-backed mortgage solutions designed to make homeownership more accessible for a wide range of borrowers. Backed by the Federal Housing Administration, these loans offer flexible qualification guidelines, lower down payment requirements, and competitive interest rates—making them an excellent option for first-time homebuyers and borrowers with limited credit history.

FHA Loan Programs

FHA Purchase Loans are designed to help borrowers buy a primary residence with more flexible credit and income requirements than many conventional loan options. These loans are especially popular among first-time homebuyers who want predictable payments and a lower barrier to entry into homeownership.
 

FHA loans allow qualified borrowers to purchase a home with a down payment as low as 3.5%, while still benefiting from competitive interest rates and stable loan terms. With FHA financing, buyers can move forward with confidence even if their financial profile is still developing.

Key Benefits:
 

  • Down payments as low as 3.5%

  • More flexible credit qualification guidelines

  • Competitive interest rates

  • Fixed-rate options for long-term stability

  • Designed for owner-occupied primary residences


Best For:
 

First-time homebuyers, borrowers with limited credit history, or those seeking a low down payment mortgage option.

Woman Reviewing Documents
Office

FHA Cash-Out Refinance Loans

An FHA Cash-Out Refinance allows homeowners to tap into their home’s equity by refinancing into a new FHA-backed loan while receiving cash at closing. This option is ideal for homeowners looking to consolidate debt, fund home improvements, or cover major expenses using the equity they’ve built over time.

​

With FHA’s flexible underwriting standards, borrowers may qualify for cash-out refinancing even if their credit profile or income structure does not meet conventional refinance requirements. This makes FHA Cash-Out Refinance loans a powerful solution for homeowners seeking financial flexibility.

Key Benefits:
 

  • Access home equity through cash-out refinancing

  • Flexible credit and income qualification

  • Competitive FHA interest rates

  • Use funds for renovations, debt consolidation, or other needs

  • Refinance into a stable, government-backed loan


Best For:
 

Homeowners looking to leverage equity with flexible qualification requirements and predictable loan terms.

FHA Cash Out Refi Program

Ready to Get Started on Your Mortgage?

Whether you’re buying, refinancing, or investing, Lawrence Zhou will help you identify the right loan solution and guide you through every step with clarity and confidence.

bottom of page