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FHA Loans

FHA loans help Americans realize the dream of home ownership.

FHA loans are insured by the Federal Housing Administration (FHA), which is part of Housing and Urban Development (HUD).

FHA home loan program1 guidelines tend to be more flexible since they are government-insured loans. FHA loans are insured by the Federal Housing Administration (FHA), which is part of Housing and Urban Development (HUD).

What are FHA Loans?
An FHA loan is a mortgage that’s insured by the Federal Housing Administration (FHA). They are popular mortgages among first time home buyers because the downpayment can be as low as 3.5% of the purchase price, and most of the closing costs and fees can be included in the loan.

What are the requirements for an FHA Loan?
Some FHA Loan requirements include a 3.5% downpayment, a credit score of 580, a steady employment history, a valid social security number or proof of residency.

Learn more about FHA Loan requirements and FHA Loan rates by talking with a South State banker today.

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If you’re interested in an FHA loan in Georgia, North Carolina, South Carolina, or Virginia, we’re here to help.