FHA Loan:

FHA mortgage loans are issued by federally qualified lenders and insured by the U.S. Federal Housing Authority, a division of the U.S. Department of Housing and Urban Development.

FHA loans are an attractive option, especially for first-time homeowners:

• Generally easier to qualify for than conventional loans.
• Lower down payment requirements.
• Cannot exceed statutory loan limits.

Learn more about FHA loans. (Department of Housing and Urban Development)


There are plenty of benefits as well as unique programs within the FHA loan programs that can also help you on your next purchase. 

EEM (Energy Efficient Mortgage) - This is a loan program that helps current or potential homeowners dramatically reduce their monthly utility bills by allowing them to incorporate the cost of adding energy efficient improvements into their new or existing home.  You no longer need to take out additional mortgage loans to cover the cost of improvements.  You can use this option when you purchase or when refinancing the home.  Basically you can include the cost of these energy efficient improvements in your mortgage up to either 5 percent of the properties value (not to exceed $8000) or $4000, whichever is greater. 

For more information, email Kelly Waugh and we can determine if you qualify! 

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