The FHA Loan Program

FHA loans are mortgages insured by the Federal Housing Administration (FHA), a government agency within the U.S. Department of Housing and Urban Development. This program may be a great option if your homebuying needs and situation preclude you from qualifying for a conventional loan. This specific loan option is designed for those who want to buy a home but may not qualify through conventional loan programs.

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Highlights & Benefits

Down Payment

Generally requires a lower minimum down payment

Closing Cash

Generally requires lower total cash to close


Streamlined and cash-out refinancing

Home Improvement

Purchase and rehab financing

More About The FHA Program

FHA Loans are a specialized program with different loan limits and requirements than conventional loans. Your ACM Loan Officer can step you through these differences and potential advantages to help determine whether an FHA loan could be a great alternative to conventional loan programs.

Additional available FHA Loans

Learn more about specialized FHA loan products.

FHA Loan Options

  • Home Equity Conversion Mortgage (HECM)

    A unique mortgage program that helps seniors aged 62 and upconverts existing home equity into cash. You can withdraw the funds, either as a fixed monthly amount or a line of credit (or a combination of both). For more information on the potential benefits of a Reverse Mortgage click here.

  • FHA 203(k) Improvement Loan

    A loan that factors in the cost of certain repairs and renovations into the loan. This means that you may be able to borrow money for both the home purchase and home improvements. It may also be able to help if you don’t have a lot of cash on hand after closing to finish making your house your home.

  • Adjustable Rate Mortgage (ARM)

    An Adjustable-Rate Mortgage (ARM) is a type of mortgage that has an interest rate applied to the outstanding balance that varies throughout the life of the loan.

  • Jumbo Loan

    The Jumbo loan is generally geared towards financing luxury properties and homes in real estate markets that are highly competitive.

Atlantic Coast Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of FHA, VA, USDA, the Federal or State Government.

This is an advertisement and is not a commitment to lend. Contact lender to discuss the loan programs, payment and term options available specifically for you and your needs.

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