A FHA Loan from a PA Lender You Can Trust.

If you’re reading this, you might have heard what President Bush said on August 31, 2007 about the new FHA Secure initiative. He said "First, we're going to work to modernize and improve the Federal Housing Administration -- that's known as the FHA. The FHA is a government agency that provides mortgage insurance to borrowers through a network of private sector lenders. " We are one of only a select few mortgage bankers with the authority to issue a government insured FHA loan. Our team of efficient loan officers and underwriters can get your FHA loan for your mortgage refinance closed within 2 weeks of application.

We can help you lock your adjustable rate mortgage into a safe 30 year fixed FHA loan with no pre-payment penalties. Our program allows a FHA mortgage refinance amount of up to 95% of the value of your home on a cash out FHA refinance (must have no mortgage lates for the past 12 months). Rate and term FHA mortgage refinances (no cash out) allow a loan amount of up to 97.75% of your home's value.

 Documentation necessary:
-One month's paystubs
-Two years W-2's
-Three months bank statements
-Verbal verification of employment
-Tri-merge credit report
-FHA Appraisal

Best of all, an FHA Loan has NO:
APPLICATION FEES
UNDERWRITING FEES
PROCESSING FEES
DOCUMENT PREPARATION FEES
WIRING FEES
ESCROW FEES
TAX SERVICE FEES
PRE-PAYMENT PENALTIES

An FHA Loan is assumable, subject to prior credit approval of the party assuming the FHA loan.

We are a direct home refinance lender licensed by the State of Pennsylvania. Our First Mortgage Banker License number is 16510. That means that you will be dealing directly with the decision makers and not a third party internet mortgage lead seller or shady mortgage broker. We will focus on you and your goals and getting your FHA home refinance loan closed quickly and efficiently. We do not offer adjustable rate mortgages, interest only payments, option arm loans or loans with pre-payment penalties. 30 and 15 year fixed rate government insured loans are our only product. Best of all, it's available even if you need a bad credit mortgage. That is why we are still in business unlike many of our former competitors  who were forced into bankruptcy in the past 6 months due to making risky stated income loans.

Worried about your credit? Our FHA loan program specializes in providing financing to Pennsylvania residents credit scores between 520 and 620 a mortgage refinance. While the rest of the subprime mortgage market has collapsed, we are still able to get your bad credit mortgage approved due to our government insured status. Our FHA loans are available to those with good credit as well.

We WILL Close most any situation (as long as you can prove your income). Whether you are wanting a bad credit mortgage refinance with cash out or just looking to lock in your adjustable rate mortgage into a fixed rate, we can help you. Call us toll free at (888) ME-FIRST that's (888) 633-4778 or Contact Our FHA Loan Specialists online. We’ll show you how quick and easy it is to get started saving money.