FHA Loan 
Federal Housing Administration mortgages have flexible lending standards to benefit many buyers.

  • First-Time Buyers
  • 3.5% down-payment
  • Maximum loan in the St. Louis Area currently $271,050
  • Borrowers with lower credit scores
  • Allows for lower down-payments
  • Down-payment can be grants, gift funds or even borrowed from retirement funds (such as 401K Plans)

An FHA insured loan is a loan backed by the U.S. Department of Housing and Urban Development (HUD) for buyers across the county. FHA home loans are a viable option for many first time home buyers, although it is not restricted to people buying their first home! An FHA loan can also be approved even if you have a less than perfect credit or a lower credit score, have declared bankruptcy, or even require a co-signer. Another benefit of FHA financing is the liberal Debt-To-Income ratios.

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