Potential 3.5% down payment
Qualified borrowers may be eligible for a minimum required investment as low as 3.5%, subject to FHA and lender requirements.
FHA loan guidance
A flexible path to homeownership—when it fits your complete picture.
FHA-insured financing may offer approachable down-payment and credit guidelines for qualified buyers. James can help you understand the benefits, costs, and requirements before you choose a direction.
Understanding FHA financing
What should you know?
Mortgage insurance
Most FHA loans include an upfront mortgage insurance premium and an annual premium generally collected through monthly payments.
Primary residences
FHA purchase financing is generally designed for owner-occupied primary residences that meet applicable property requirements.
Property considerations
The home must satisfy FHA appraisal, safety, soundness, security, eligibility, and loan-limit requirements.
Questions worth discussing
- How FHA compares with a conventional loan for your situation
- Your estimated cash needed for down payment and closing costs
- How mortgage insurance affects the monthly payment
- Whether gift funds or eligible assistance may be available
- Property condition, occupancy, appraisal, and loan-limit requirements
JG Mortgage Loans and Edge Home Finance are not affiliated with or endorsed by HUD, the Federal Housing Administration, or any government agency. Program availability and eligibility are subject to approval and applicable requirements.
Florida & Georgia