Loan options
FHA Loans
Not every loan fits every situation. Here’s how I match you to the one that fits yours.
What is it?
An FHA loan is a mortgage insured by the Federal Housing Administration. Because the government insures it, lenders can offer more flexible guidelines, which is why FHA loans are popular with first-time buyers.
Quick facts
Who it fits
- Buyers with limited down payment savings
- Borrowers whose credit is still being built
- First-time buyers
- Buyers who want flexibility in how down payment funds are gifted or sourced
Good to know
FHA loans include mortgage insurance, which adds to your costs. Property condition standards also apply. I’ll show you the full picture, including how the insurance works, so you can compare FHA to other options with real numbers.
The process
- Step 1
We review your credit picture honestly
- Step 2
I confirm your down payment tier
- Step 3
I walk you through the mortgage insurance cost
- Step 4
You get real numbers, no surprises
Common questions
Is FHA only for first-time buyers?
No. Repeat buyers can use it too, if they meet the guidelines.
Can I use FHA for a condo?
Sometimes. The condo has to meet approval requirements, which I can check early.
Does FHA mortgage insurance ever go away?
It depends on the loan terms. We’ll look at yours.
Looking for a home in Largo, Clearwater or St. Petersburg? I can help you see if FHA fits your search. See where I work.
Ready to find your match?
Find Your MatchThis is general information, not a commitment to lend or a rate quote. Programs, limits, and eligibility vary by borrower and property and can change. Equal Housing Opportunity. Jermin Munoz, Mortgage Loan Originator, NMLS# 2689451.