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FHA Loans | VA NC Fixed & Adjustable Rate Mortgages

Smaller down payments are a big advantage with this home loan

Home ownership becomes far more affordable with these government-backed loans

Reduced upfront costs

Get a home of your own with a down payment as low as 3.5%.

Relaxed credit requirements

FHA allows for more flexibility in credit score and credit history.

Flexible mortgage types

Enjoy competitive rates on fixed-rate mortgages.

Join the millions who've benefited from this government-backed FHA loan

For nearly a century, Federal Housing Administration (FHA) loans have helped Americans with modest incomes achieve the dream of home ownership. The good news is that you can access this affordable financing without dealing with a government agency. One of our knowledgeable, local lenders can answer all your questions about FHA eligibility and guide you through the application process.

Get Our Mortgage2Go App

Simplify the mortgage process with our helpful app.

Real-time loan status updates
Automated reminders when items are due
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And much more!

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FAQs

Can you refinance a FHA? If so, under what terms?

Yes, FHA loans can be refinanced, often via the Streamline Refinance program, which may lower monthly payments with minimal documentation. It’s ideal if you’ve had your FHA mortgage for some time.

How does the property appraisal and eligibility process differ for FHA loans?

FHA loans require HUD-approved property appraisals that meet stricter safety and habitability standards, and they allow borrowers with lower credit scores and smaller down payments to qualify.

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