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Overview

FHA loans are a good option when you’re buying a home, refinancing an existing FHA loan, or need cash from your home’s equity. FHA loans have competitive interest rates, flexible credit terms, and require low minimum down payments. They are backed by the Federal Housing Administration (FHA) and offered by private lenders like Freedom Mortgage!

We can empower you on your homeownership journey with an FHA loan whether you’re buying or refinancing.

*Freedom Mortgage was named the #1 FHA lender by Inside Mortgage Finance, 2021

FHA Home Purchase

  • All qualified homebuyers are eligible
  • Competitive interest rates
  • Low minimum down payments
  • Minimum credit score often 600
  • Mortgage insurance premiums required

FHA Streamline Refinance

  • Competitive interest rates
  • Less paperwork and faster closings
  • Easy credit score qualification
  • Mortgage insurance premiums required
  • Only existing FHA loans are eligible

FHA Cash Out Refinance

  • All qualified homeowners are eligible
  • Maximum loan-to-value ratio often 80%
  • Minimum credit score often 550
  • Mortgage insurance premiums required
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How much can you save?

Find out how much you might save by refinancing your home to a lower rate. By refinancing, the total finance charges you pay may be higher over the life of the loan. Change the default values to personalize your savings estimate!

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This calculator is made available as a self-help tool for your personal use. We do not guarantee its accuracy or applicability to your individual circumstances. Resulting calculations are for illustrative and informational purposes only and are not intended as investment or financial advice. Consult a qualified financial advisor before making important personal finance decisions. To get a better understanding of the benefits of refinancing, speak with a loan advisor at Freedom Mortgage.

Refinancing might save you
$241 a month

Ask us what rate we can offer you

The rate we may be able to offer on your FHA loan is specific to you. Your interest rate is determined by whether you want an FHA loan to buy a new home or refinance your existing home. Keep in mind by refinancing, the total finance charges you pay may be higher over the life of the loan. Your rate is also determined by your credit score and income as well as the current mortgage market environment. Freedom Mortgage may be able to offer you a rate that is lower – or higher – than rates you see advertised by other lenders. Ask us today what FHA loan rate we can offer you!

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What Our Customers Say

Check out the reviews from some of our customers.

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Learn more about FHA loans

Our FHA loan education articles answer your questions about how to buy a home or refinance a home with an FHA loan.

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Mortgages backed by the FHA can help you purchase a home

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How much money do you need to buy a house?

Decide whether can afford to buy a home

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First-time homebuyer tax credits, programs, and grants

Learn about financial assistance when buying a home

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How long does it take to buy a house?

Typical time needed for the homebuying process