{"id":1434,"date":"2023-02-24T00:33:45","date_gmt":"2023-02-24T00:33:45","guid":{"rendered":"http:\/\/gator4099.temp.domains\/~mypnwbro\/?page_id=1434"},"modified":"2023-02-24T00:35:25","modified_gmt":"2023-02-24T00:35:25","slug":"fha","status":"publish","type":"page","link":"https:\/\/mypnwbroker.com\/?page_id=1434","title":{"rendered":"FHA"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1434\" class=\"elementor elementor-1434\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2679b9a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2679b9a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d9bad7b\" data-id=\"d9bad7b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-025a27f elementor-widget elementor-widget-heading\" data-id=\"025a27f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">FHA<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-07c86b9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"07c86b9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ccd6e40\" data-id=\"ccd6e40\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35d4fff elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"35d4fff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-813346f elementor-widget elementor-widget-text-editor\" data-id=\"813346f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>FHA loans are government-backed loans insured by the Federal Housing Administration. These are low-down payment option loans available for primary residences and are available to all borrowers (not limited to first-time homebuyers). The program requires as little as 3.5% down on a purchase but requires an upfront mortgage insurance premium (MIP) that can be rolled into the loan amount, as well as, as monthly private mortgage insurance (PMI). Because is insured, the program has very competitive rates.<u><\/u><u><\/u><\/p><p>FHA loans have more flexibility than conventional loans by allowing higher debt-to-income ratios and lower credit score requirements for qualification. FHA guidelines have options to work with borrowers that have a history of financial issues, including bankruptcy, to allow consumers to maintain housing stability.\u00a0<u><\/u><u><\/u><\/p><p>While FHA is more lenient than conventional mortgages, the loans require the borrower to carry private mortgage insurance for the life of the loan if the down payment was less than 10%. FHA also has a reduced maximum loan limit by county compared to conventional mortgages. Current limits are available at <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/entp.hud.gov\/idapp\/html\/hicostlook.cfm\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/entp.hud.gov\/idapp\/html\/hicostlook.cfm&amp;source=gmail&amp;ust=1676434902189000&amp;usg=AOvVaw3KerBiwlNA44rbbiFiU7ed\">HUD FHA Mortgage Limits<\/a><\/span>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>FHA FHA loans are government-backed loans insured by the Federal Housing Administration. These are low-down payment option loans available for primary residences and are available to all borrowers (not limited to first-time homebuyers). The program requires as little as 3.5% down on a purchase but requires an upfront mortgage insurance premium (MIP) that can be [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"nf_dc_page":"","footnotes":""},"class_list":["post-1434","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FHA - Mortgage Broker | Portland | PNW | Associated Mortgage Brokers<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/mypnwbroker.com\/?page_id=1434\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FHA - Mortgage Broker | Portland | PNW | Associated Mortgage Brokers\" \/>\n<meta property=\"og:description\" content=\"FHA FHA loans are government-backed loans insured by the Federal Housing Administration. 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