FHA Loans

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We are the #1 FHA lender in the United States.*

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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

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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

Personalized Quote Learn More

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

Personalized Quote Learn More

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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!

All fields are required.

original loan amount

term (years)

years paid

Loan Term in Years

Origination Charge

Ballon Payment

Home Value

Years in Home Before Sale

Property Tax

Homeowners Insurance

current interest rate

new interest rate

closing costs

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. 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.

“The team at Freedom Mortgage provided a completely painless home refinance experience. Everything I was told was correct. The application and approval process was very easy and fast. The refinance closed exactly as expected. This is the third home loan I've had with Freedom Mortgage and if needed again in the future I will definitely finance with them again.”
Mark C., CA

4.5/5 stars

Very easy and fast
“Javier was very professional and understanding to our needs when it came to refinancing, every step of the process was a pleasure. I've refinanced many times over the years and have never been through an easier transaction until now. I would just like to thank Javier again for his professionalism and knowledge.”
Robert V., CT

5/5 stars

The process was a pleasure
“Thank you for reaching out to us. I don’t think we would have even considered refinancing if you had not have sent reminders to us about how much we could save. We are grateful for all your hard work and how easy it was for us!”
Claudia B., IN

5/5 stars

Grateful for all your hard work