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FHA Loans

FHA loans are designed to allow buyers without amazing credit, or who have experienced financial hardship, to own a home. They are a popular choice with first time buyers because they don’t require large down payments or perfect credit. These purchase loans are government insured, making it a low risk to the bank, which is why they are so often used for first time home buyers. At Spire Financial, we help you secure an amazing FHA loan with sometimes as little as 3.5 percent down.

Experience the Advantages of FHA Loans

A big advantage of FHA loans is they require low down payments. Additionally, these purchase loans are available from most lenders to provide a home mortgage for many would-be homeowners. This government insured loan is low risk to the bank and is often used for first time home buyers.

Low Closing Costs & Attainable Credit Rating

Closing costs vary according to the amount of your FHA purchase loan, but our loan specialists can help you pay less. Typical costs for an FHA loan fall into three categories: lender fees, title company fees, and a fee for an appraisal (if needed). There are many ways to have costs paid, including out-of-pocket, a lender credit, a seller credit, rolling them into your loan, or a combination of a few of these. Our team can help you explore options for your particular situation.

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