FHA Home Loans for First Time Home Buyers

The Federal Housing Administration (FHA) is constantly adjusting its guidelines for first time home buyers so as to maintain the integrity of the mortgage insurance pool. FHA loans can be great for eligible borrowers because they offer a lower down payment amount (subject to credit & other requirements).

Since FHA loans are some of the most popular government loans, the FHA does allow for non-occupying co-borrowers including parents, grandparents, aunts, uncles, brothers, sisters or any other direct family member who can strengthen the file. Co-borrowers can bring more income and/or a stronger credit profile to the file to help the borrower better qualify for an FHA home loan.

The FHA loan is also a great alternative for first time home buyers who are looking to finance or owners who are looking to refinance a multi-family property. FHA guidelines state that all homes purchased using government mortgage insurance must be primary residences.

To discuss whether an FHA Loan is right for you, please call us at 781-232-8000 or contact us via our online form. Our loan professional are ready to discuss the pre-approval and qualification details for the latest FHA home financing options.

PLUS, you can get an instant rate quote on our website 24/7 for your FHA loan.

To be pre-approved for an FHA first time home buyer’s loan or an FHA traditional refinance loan, you will need the following documentation:

Primary borrower’s and co-borrower’s current income as well as a full two year employment and income history
Asset account statements including checking, savings and retirement accounts
Location of property to be purchased or refinanced
Property type – single family or multi-family
Primary borrower’s and co-borrower’s social security numbers and dates of birth for credit report

The documentation required for an FHA streamline refinance loan includes:

Original mortgage note
Payoff statement from current lender
FHA case number pulled by Poli
6 full payment cycles since first payment due date
210 Days since original closing date
2 months bank statements (if funds are needed for closing)

Poli Mortgage Group Is Here To Help You

Poli Mortgage Group has originated over 48,000 mortgages to date and we’re currently issuing over $1 billion in new mortgage loans each year.

We’re one of the most highly regarded, independently owned mortgage companies on the eastern seaboard.

Fill out the form below & start working with our expert staff today!

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Poli Mortgage Group is a Division of radius financial group inc. Corporate NMLS #1846. radius financial group inc. is an Equal Housing Lender. Poli Mortgage Group is licensed in CT, DC, FL, ME, MD, MA, NH, PA and RI. For more licensing information please visit: https://polimortgage.com/licenses/ or by visiting www.nmlsconsumeraccess.org. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs rates, terms and conditions are subject to change and are subject to borrower qualification. This is not a commitment to lend. The content in this website has not been approved, reviewed, sponsored or endorsed by any department or government agency.

* This radius Pre-Approval/Credit Commitment Promise Contract ("Promise") is made and entered into, as of the date of the last signature below, by and between radius financial group inc. ("radius" or "Lender"), and the below-named Buyer and Seller. In consideration of Seller's reliance on this Promise in entering into a real estate purchase transaction with Buyer, the Parties agree as follows:

PROMISE TO SELLER. In the event that a Seller is induced to accept an offer from, and enter into a purchase and sale agreement with, a radius borrower on account of this Promise in connection either with (a) a radius Pre-Approval or (b) a radius Credit Commitment and the Buyer is unable to close on such Eligible Transaction due to a mistake made by radius (with accurate and up-to-date information) on such Pre-Approval/Credit Commitment (a "Bad Pre-Approval"), then radius shall pay Seller ten thousand dollars ($10,000), subject to the terms and conditions herein as Seller's sole remedy.

PROMISE TO BUYER. In the event that radius issues a Bad Pre-Approval to Buyer on an Eligible Transaction, radius will reimburse Buyer reliance expenses up to one thousand dollars ($1,000) for a home inspection, appraisal, or legal expenses actually paid out-of-pocket by Buyer, subject to the terms and conditions herein. This payment shall be Buyer's sole remedy.

ELIGIBLE TRANSACTION. For purposes of this Promise, an "Eligible Transaction" is a purchase money mortgage transaction for a primary residence (made on or after April 1, 2018) (not made to a radius employee or immediate family member), provided that the loan is a Conventional, USDA, VA, or FHA loan product for either (i) an existing home resale or (ii) a newly constructed home that is to be delivered and closed within ninety (90) days of the P&S.

CONDITIONS. The applicable radius Pre-Approval must not have expired prior to the date of the P&S. Offers/P&Ss cancelled due to home inspection issues or title defects are not covered under this Promise, and this Promise is void if a Bad PreApproval is the result of: (i) a change in Buyer's financial position, (ii) property specific requirements or expenses (e.g. homeowner's association dues/fees, flood insurance, or property taxes), or (iii) loan product availability or underwriting requirements, or third-party actions outside of radius' control.

FUNDS DISBURSEMENT. Any funds due and payable under this Promise will be paid if requested by Buyer or Seller in writing within 90 days of the date of an applicable Adverse Action Notice and accompanied by a fully-executed copy of this Promise. Any payments made under this Promise will be reported to the Internal Revenue Service by radius on a Form 1099-MISC or as otherwise required by then-applicable law. Please consult your tax advisor for any tax implications.

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