FHA Loans are Available!

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FHA Home Loans

Happy homeowners after receiving an FHA home mortgage loan from Aaron Hinson at Luna Lending

Finding the right home buying loans for you can prove challenging. Knowing the different types of loans available and the ins and outs will help get you into your dream home the quickest. One conventional loan is the FHA home loan.

An FHA loan is a home mortgage loan insured by the Federal Housing Administration. The government insures loans for FHA-approved lenders to reduce their risk of loss should a borrower default on their mortgage payments.

Initially, the FHA program started in response to the rash of foreclosures and defaults that occurred in the 1930s. The program aimed to provide mortgage lenders with adequate insurance and stimulate the housing market by making loans more accessible and affordable. To this day, the FHA loan program helps millions of Americans get approved and have access to their dream home.

We know shopping for a new home can be overwhelming. Knowing where to turn and who to talk to proves difficult without a steady hand as you go. We’re here to help ensure the FHA home loan process is more accessible. We’ll help you by using the tools and knowledge that will guide you through the process, starting with our FHA Loan Qualifier..

Once we find out if you qualify, we can start finding the right loan for you. We’ll help you see the differences between loan programs, allowing you to choose the right one for you to buy your dream home in Lake Tahoe, California — regardless of if you’re a first-time or repeat buyer. Not looking in the California area? We also offer our services to Nevada and Colorado!

The FHA Loan Process

We want to help simplify and streamline the FHA loan application process to get you into your Lake Tahoe vacation home. Here’s how our home loan process works:

● Complete our simple FHA Loan Qualifier.
● Receive options based on your unique situation
● Compare interest rates and length of terms
● Choose the offer that best fits your situation

Finding the right FHA loan shouldn’t be complicated. The Luna Lending team wants to help you sift through the noise of competing offers and interest rates and find the best one for you and your situation. Contact us to get your free FHA loan rate quote and get you into your dream California, Nevada, or Colorado home!

Why an FHA Loan?

Home loans provided by the Federal Housing Administration (FHA) may make it easier for you to buy a home. For an FHA loan a down payment of 3.5% is required. Borrowers who cannot afford a traditional down payment of 20% or are unable to receive approval for private mortgage insurance may consider an FHA loan.

  • Fixed-Rate Mortgage
  • Adjustable-Rate Mortgage (ARM)
  • 3.5% Down Payments
  • Jumbo & Super Jumbo Loans
  • Terms of 15, 20, and 30 years are available for the fixed-rate products

Get Your FHA Loan Quote Now!