The FHA Home Loan Experts will help you secure your FHA Home Loan to buy your first home or refinance with FHA mortgage refinancing.

FHA home loans allow first time home buyers and current home owners buy a home with less than 3% down. A FHA home mortgage refinance can refi up to 97% of the home's value.

At FHA Home Loan Experts, you can research FHA loan programs which help you with buying a home with no money down, learn about FHA loan qualifications, or get a free FHA home loan prequalification.

FHA loans are ideal for first-time home buyers and those low-to-moderate-income borrowers. Loans are insured by the Federal Housing Administration.

Down payments may be as little as 2.25% and there are several options for the source of funds needed for closing. The seller can contribute up to 6% towards closing costs, prepaid cost and points.

The FHA loan limit varies by region. No cash reserves are required for loan approval. FHA loans can be fixed rate or adjustable rate.

FHA does not make loans. Rather, it insures loans made by private lenders. The first step in obtaining an FHA loan is to contact a lender who can originate FHA loans. Only lenders approved by FHA can take an application, process and close an FHA loan for you.