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Who is insured by FHA Mortgage Insurance and what are the benefits?

Who is insured by FHA Mortgage Insurance and what are the benefits?

Who is insured by FHA Mortgage Insurance and what are the benefits?


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Home Page > Finance > Loans > Who is insured by FHA Mortgage Insurance and what are the benefits?

Who is insured by FHA Mortgage Insurance and what are the benefits?

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Who is insured by FHA Mortgage Insurance and what are the benefits?

By: FHA home loan Lender

About the Author

Visit http://www.fhamortgageprograms.com/florida/ to apply for a Florida FHA mortgage, http://www.fhamortgageprograms.com/mortgage/fha-loan-program.shtml, http://www.fhamortgageprograms.com/faq/fha.shtml

http://www.fhaoutreach.gov/FHAFAQ/

(ArticlesBase SC #1129514)

Article Source: http://www.articlesbase.com/Who is insured by FHA Mortgage Insurance and what are the benefits?





Who is insured by FHA Mortgage Insurance and what are the benefits?

 FHA’s mortgage insurance is insurance coverage that protects Florida mortgage lenders against some or most of the losses that can occur when a Florida mortgage applicant defaults on an FHA mortgage loan.

The Housing and Economic Recovery Act of 2008 requires FHA Mortgage Insurance on all new Florida FHA mortgage loans. This FHA mortgage insurance coverage is purchased and paid for by the Florida mortgage applicant. The cost of mortgage insurance may include an up-front premium of 1.75% of the loan amount as well as an annual premium of .55 annually that is collected monthly and added to the borrower’s mortgage payment. The amount and duration of payment is based on the FHA loan type, FHA loan term, and FHA loan amount to property value ratio.

Florida FHA mortgage applicants benefit from the FHA insurance in the following ways:

Easier to Qualify: Because FHA insures your Florida mortgage, Florida FHA lenders are more willing to give you loan terms that make it easier for you to qualify. In fact, even if you have had credit problems, such as a bankruptcy, it’s easier for you to qualify for a Florida FHA loan than a conventional loan.

Lower Down Payment: Florida FHA loans have a low 3.5% down payment and that money can come from a family member, grant, employer or charitable organization as a gift. Other loan programs don’t allow this.

Costs Less:  Florida FHA loans have competitive interest rates because the Federal government insures the loan.

Helps You Keep Your Home: The Florida FHA has been around since 1934 and will continue to be here to protect you. Should you encounter hard times after buying your home, FHA has many options to help you keep you in your Florida home and avoid foreclosure.

For more information, visit http://www.fhamortgageprograms.com/florida/

Retrieved from “http://www.articlesbase.com/loans-articles/who-is-insured-by-fha-mortgage-insurance-and-what-are-the-benefits-1129514.html

(ArticlesBase SC #1129514)

FHA home loan Lender -
About the Author:

Visit http://www.fhamortgageprograms.com/florida/ to apply for a Florida FHA mortgage, http://www.fhamortgageprograms.com/mortgage/fha-loan-program.shtml, http://www.fhamortgageprograms.com/faq/fha.shtml

http://www.fhaoutreach.gov/FHAFAQ/

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Source:  http://www.articlesbase.com/loans-articles/who-is-insured-by-fha-mortgage-insurance-and-what-are-the-benefits-1129514.html

Article Tags:
florida fha mortgage, florida fha loan

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