«Back Mortgage LendingHome Loan ProgramsFHA Loans FHA Loans FHA Loans A Federal Housing Administration (FHA) loan is a home loan backed by the government giving lenders the ability to offer more flexibility in qualification requirements than a conventional loan. FHA loans may come with higher interest rates and require home buyers to pay Private Mortgage Insurance (PMI) along with their monthly payment. Because this loan comes with easier requirements, first-time homebuyers or those building their credit may find this to be the right mortgage option. This loan typically comes with a lower down payment as well, making it an easier option for those with limited savings. Benefits Include: A low down payment A fixed interest rate that won't change over time Less strict qualification requirements Find a Lender The most important step in financing a home is finding a lender who will work with you every step of the way, answering all of your questions, and making you feel comfortable. Let us make your home loan process go quickly and smoothly! Contact Us Meet our lending team Mortgage Rates Find the latest mortgage rates. Current Rates Home-buyer Tools We are here to make buying a home easier. Learn More We are happy to talk with you! Our Mortgage Loan Team is ready to help make your home-buying process as easy as possible. Contact Us