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The FHA mortgage has made a real comeback! According to HUD, FHA insured more than 20% of loans made in the first half of the year, and a market survey indicated that FHA now accounts for more than 35% of mortgage applications. The FHA loan continues to be a major source of housing credit as a result of contraction in the conventional market place and the collapse of the subprime lending market. Lower cost, smaller down payment, easier qualification, less than perfect credit, loan protection, rise in mortgage limits ….. all good reasons why FHA has insured more than 35 million mortgages since 1934. Whether fixed, adjustable, purchase/rehab or reverse, the FHA insured loan belongs in your toolbox! |
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