One E. Broward Blvd. Suite 1503 Ft. Lauderdale, FL 33301
110 E Atlantic Avenue Delray Beach, FL  33444
Federal Housing Authority Loans (FHA)

The Federal Housing Administration (FHA), which is
part of the U.S. Dept. of Housing and Urban
Development (HUD), administers various mortgage
loan programs. FHA loans have lower down payment
requirements (usually 3%) and are easier to qualify
Than conventional loans (typically based on the
borrowers ability to repay the debt vs. credit score).
FHA loans cannot exceed the statutory limit.
VA Loans

VA loans are guaranteed by U.S. Dept. of Veterans Affairs.
The guaranty allows veterans and service persons to obtain
home loans with favorable loan terms, usually without a
down payment. In addition, it is easier to qualify for a VA
loan than a conventional loan. Lenders generally limit the
maximum VA loan to $203,000. The U.S. Department of
Veterans Affairs does not make loans, it guarantees loans
made by lenders. VA determines your eligibility and, if you
are qualified, VA will issue you a certificate of eligibility to be used in
applying for a VA loan. VA-guaranteed loans are obtained by making
application to private lending institutions.
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