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At FHA Loan Lending, our motivated and extremely specialized FHA experts will assist you to ultimately achieve your unique mortgage requirements. For the everyday American, your home loan will be the most important and largest financial decision. Your unique situation requires special and individualized attention so why deal with non-specialized, cookie-cutter, over sized, typical convenience-store style lenders. Our FHA Loan professionals will work with you to tailor a FHA Loan program to fit your specific mortgage needs.

FHA Loans will lower your interest rates, making your monthly payments more affordable. These lower rates are achieved by the federal government guaranteeing your mortgage. Why pay PMI with a conventional loan when you can have the federal government insure your mortgage.

We are your one stop source for FHA Loans.

All it takes is 2 minutes to change your life. Apply now for your FHA loan.

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Benefits of FHA Loans
  • No or Low down payments
  • Less stringent mortgage qualifications
  • Mortgage rate not affected by credit score
  • Loan eligibility two years after a bankruptcy
  • Loan eligibility three years after a foreclosure
  • Federally regulated lower closing costs
  • Guaranteed federally mandated interest rates

From the beginning, the purpose of FHA loans remain the same...to help you obtain the American dream.

Our mission here at FHA Loan Lending is to match your specific financial needs with highly qualified and trained specialists, to walk you through the FHA loaning process. We can do what others cannot. Let us, at FHA Loan Lending, help you achieve your goals and save you money now!

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Every moment you wait, that is one less day in your dream home. With all the benefits from an FHA Loan, why let these opportunities pass you by? Do not let your current situation scare you away from taking action today. Apply now and see how one of our specials can help you customize a program to fit your needs.


Refinancing your current home loan with an FHA Loan has never been easier. In the current market conditions, many people find that refinancing with an FHA Loan is their only option. Refinancing with FHA loans provides you with several options: lower your interest (these rates have never been lower), get out of your outrageous adjustable mortgage rate, or to cash out on your home equity. These are just to name a few.

Whatever your reason, apply now to find out how refinancing with an FHA Loan can help you today.

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Traditionally, to obtain an FHA Home Loan, you would have to make a 3% down payment. Although this rate is much lower than conventional loans, and already a huge savings for many, there has been movement towards eliminating this requirement all together. Currently, there are already several FHA Loan programs that requirement no down payment. Let our specialists, at FHA Loan Lending, walk you through these No-Interest Programs today.

A no-interest program is just the beginning of the recent changes in FHA Loan programs. Legislation has also pushed to higher FHA Loan Limits. This means that you can get approved for larger loans, opening up more opportunities for new home purchases and refinancing possibilities. These FHA Loan limits have already been increasing in many areas. Get connected with an FHA specialist today to find out how much money you can qualify for.

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Most people have a misconception of what an FHA Home Loan really is. This is not a loan provided by the Federal Government. Rather, it insures loans made by private lenders. An FHA Home Loan, simply put, is a way for the federal government to guarantee your mortgage so that your loan is less of a risk to a lender. Less risk equates to relaxed loan requirements and lower interest rates. Bottom line is, less out of pocket money from you. Let us save you money. Apply today!

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What is the FHA?

The Federal Housing Administration, or better known as the FHA, is an agency created by the United States government. The start of this agency was prompted by the economic crisis of the Great Depression. This forced the government to take action and change the banking system by passing the National Housing Act of 1934, creating the FHA.

The FHA was formed to regulate mortgage terms and interest rates. Prior to the FHA, most home loan terms were only three to five years with no amortization built in (might want to define amortization and does 'built in' make sense?). This made owning a home out of reach for most, with the exception of the few wealthiest Americans.

With modern lending practices implemented by the FHA, owning a home is now a very real possibility for all Americans. Many people believe that their FHA loan is funded by the government. This is not true. The FHA provides mortgage insurance, to FHA approved lenders. Basically FHA mortgage insurance provides bank with protection against homeowners defaulting on their loan. This insurance reduces the risk to a lender, which makes the loan more appealing to most banks. Because of this reduced risk, lenders can offer lower interest rates and approve more loans, allowing a greater segment of the American population to attain their goals of owning a home.

Since 1934 the FHA has help over 34 million families discover the joy of being a homeowner. Just as the FHA program had helped end the Great Depression of the 1930's, it has also come to the rescue during the more recent economic crisis. Following the subprime mortgage collapse, and the ongoing troubles of mortgage giants Fannie Mae and Freddie Mac, FHA mortgages went from affecting only 2% to over 40% of the housing loan market in just a few years. The growing success of this agency can be proven in the fact that the FHA is the only government agency that is completely self-sufficient.


Primary Mortgage Insurance, also known as PMI, is what gives lenders protection in the event that a homeowner defaults on their mortgage. Lenders typically require a minimum of 20% down for a conventional mortgage. If the borrower is incapable of putting 20% down, the lender will look at the loan as a more risky investment and subsequently require a PMI payment from the borrower.

PMI is typically paid on a monthly base, on top of your monthly mortgage payment. PMI charges vary, depending on the amount loaned, but on average its 1.5% of the amount loaned. For example, if a potential homeowner is looking to borrow $200,000, their PMI payment would be $85 a month. After several years of mortgage payments, typically enough equity has been gained to reach that magical number of 20%. At this point, you can contact your lender to request that the PMI payment be removed. Unfortunately, most borrows do not get PMI removed because of lack of knowledge.