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Union State Bank
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| Access to fundsAn FHA loan is a government-insured mortgage designed to make homeownership more accessible for qualified buyers. With a low down payment requirement and flexible credit guidelines, FHA financing may be an option for buyers who have limited funds available for a down payment or who may not meet certain conventional loan requirements. Low Down Payment Qualified buyers may purchase a home with a down payment as low as 3.5% . FHA guidelines also allow eligible gift funds and other approved sources to be used toward the down payment and closing costs. Flexible Credit Guidelines FHA loans generally offer more flexible credit requirements than many conventional mortgage programs. This may provide additional financing opportunities for borrowers with lower credit scores or limited credit histories. Mortgage Insurance FHA loans require mortgage insurance. Borrowers pay an upfront mortgage insurance premium , which may generally be financed into the loan, as well as an annual mortgage insurance premium that is typically included in the monthly mortgage payment. First-Time and Repeat Homebuyers You don't have to be a first-time homebuyer to qualify for an FHA loan. Eligible first-time and repeat buyers may use FHA financing to purchase a qualifying home that will serve as their primary residence . Purchase or Refinance FHA financing isn't limited to purchasing a home. Eligible homeowners may also have FHA options for refinancing an existing mortgage , depending on their needs and qualifications. Contact a Union State Bank mortgage lender to learn more about FHA financing and whether this loan program may be right for you. | WithheldUnion State Bank · Page Capture Oct 4, 2026 · Captured Oct 4, 2026 | Website |