FHA Loans in Maricopa and Pinal Counties Arizona

FHA Loans in Maricopa and Pinal Counties Arizona. The Heiser Team is your FHA loan expert. The FHA loan program is designed to assist every qualified and eligible American with the opportunity to own their own home. FHA mortgage loans are issued by federally qualified lenders and insured by the U.S. Federal Housing Authority, “FHA” which is a division of the U.S. Department of Housing and Urban Development HUD.  An FHA loan allows you to buy a home with as little as 3.5% down, instead of the higher down payments required by conventional loans. Offering mortgage rates that are traditionally lower than conventional Fannie/Freddie programs, the FHA program has become the mortgage loan of choice for most Home Buyers.

Not every mortgage company can originate the FHA loan program. Ed & Barbara Heiser of The Heiser Team at AmeriFirst financial can. HUD maintains strict guidelines which limit who can assist home buyers like you with financing. With such strict quality guidelines, you can know with confidence, that you are working with true licensed professionals in Ed & Barbara Heiser to help you purchase your home with the FHA Loan Program. Here at The Heiser Team, our job is to place you in the right loan the first time, and the FHA loan program is a solid foundation to financing success. Learn more today by using our Secure Online Application.

Just some of the tremendous benefits of using an FHA mortgage are:

• 3.5% low down payment
• Loan amount up to $271,050
• Interest Rates Lower than Conventional Loans
• Underwriting is done using both Automated and Manual review – This means if a loan makes sense, it doesn’t matter what the computer says.
• Home Buyers – Seller paid closing costs are allowed.
• Down Payment Help from buyers Family is Allowed.
• Prior Bankruptcy does not automatically disqualify you, or if you qualify, mean you have to pay a higher interest rate as a “Penalty”
• NO INCOME RESTRICTIONS – This means EVERYONE is eligible for the FHA loan program regardless of whether you’re wealthy or poor, have owned a home before or are a First Time Buyer.
• Higher Ratios are allowed for eligible borrowers than through Traditional Mortgage programs
• Typically, there are NO Cash Reserve requirements.
• Non-Occupant Co-Borrowers are just fine with the FHA Loan program – You can have a parent co-sign for you and help you qualify if you can’t qualify on your own.

The fact is, there are many good reasons for virtually all home buyers to consider the FHA loan program. Beyond just the FHA interest rate benefits, flexible qualifying and great terms, the FHA loan gives you peace of mind. To Pre-qualify please call Ed Heiser of The Heiser Team at 480-830-8030.