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When you need a flexible financing option, the FHA loan meets buyers where they’re at. With Federal Housing Administration backing, FHA loans allow eligible buyers who may be just short of qualifying for conventional loans to qualify. Learn more through personalized support from experienced mortgage advisors who provide insight—not pressure.

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Advantages of an FHA Loan

Lenient Credit Requirements

Buyers with credit that prevents them from qualifying for conventional loans may find FHA loan requirements more relaxed and easier to meet

Potential for Lower Closing Costs

The FHA has limits on the fees lenders may charge, allowing the potential for the overall cost to close to be lower than other loans.

Low Down Payment Options

FHA loans are beneficial for first-time buyers who need options for their down payments, including gift payments and low down payment requirements.

Term length options

Flexible term options, talk to one of our loan officers to see what term works best for you

No pre-payment penalty

You can pay off your loan early without any extra fees, refinance to another loan, or make extra monthly payments or lump-sum payments to reduce your interest costs and pay off the loan faster

More About The FHA Loan Program

FHA Loans offer an alternative pathway to homeownership with loan limits and eligibility criteria that differ from conventional mortgages.

Your dedicated ACM Loan Officer is your experienced guide through these nuances, helping you understand requirements and unlocking potential advantages like lower down payments and more flexible credit options.

We’ll carefully compare these benefits against conventional loan programs to help you confidently determine if an FHA loan will allow you to make homeownership a reality sooner.

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Why Choose ACM

  • Strategic Partners

    Are you thinking about an FHA loan? At ACM, we're not just throwing rates at you—we're your personal Home Loan Guides, seriously focused on making your path to owning a home a smooth and confident one.

  • Trusted Guidance

    We offer more than just competitive rates; we're about having real talks that build trust and create lasting connections with you. At ACM, we build trust through real conversations and a people-first approach, ensuring you understand every step. Our easy-to-use mobile app and digital platform simplify everything, from secure document uploads to round-the-clock loan updates, making the process fast and transparent.

  • Clear Communication

    We're here to give you insights that are just for you, clear answers right from the start, and a plan that fits exactly where you're at financially. Our streamlined in-house operations also mean we can keep you in the loop consistently and get you to closing faster.

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

Private mortgage insurance (PMI) is generally required for conventional loans when the down payment is less than 20%. If your monthly mortgage payment includes property taxes, your lender will deposit those funds into an escrow account and pay the taxes on your behalf when due.

Eligibility for all applicants cannot be guaranteed. Advertised programs, guidelines, rates, and fees are subject to change without prior notification. Contact a loan officer today to explore your financing options. This is an advertisement and is not a commitment to lend. | Atlantic Coast Mortgage, LLC (“ACM”) | Equal Housing Lender | Company NMLS 643114 (For licensing information, go to: www.nmlsconsumeraccess.org) | Licensure & Product Disclaimers/Disclosures: www.acmllc.com/legal

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