FHA loans can be an attractive solution for buyers looking to get into a home with a minimal down payment.  First Liberty Bank offers flexible underwriting and best in class service for FHA and Conventional loans.

 An FHA loan is a type of mortgage loan that is insured by the Federal Housing Administration (FHA). FHA loans are designed to make homeownership accessible to more people by providing easier qualification requirements and lower down payment options.

Program Advantages:

• 3.5% down payment with credit scores as low as 580

• 10% down payment with credit scores as low as 520

• Use in conjunction with Down Payment Assistance Programs

• New maximum FHA loan limit of $472,030.00


Certain restrictions apply on all programs. See your First Liberty Bank Loan Officer for complete program guidelines, loan application, applicable fees and annual percentage rates (APR's) for all loan programs. Full underwritten approval is required and all loan approvals are subject to credit, income and asset review and approval.

FHA loans are federally insured, which may require a smaller down payment and may offer a lower interest rate than a comparable conventional loan. This might be the right loan for you if you are a first-time homebuyer or if you have limited cash for a down payment and closing costs.