What are FHA Loans?

FHA loans are a popular choice for homebuyers because they’re insured by the Federal Housing Administration. This makes it easier for first-time buyers and those with less-than-perfect credit to qualify for a mortgage. At United 1 Mortgage Corporation, we specialize in FHA loans and can guide you through the process. Here’s how it works: The FHA doesn’t lend money directly; instead, they insure the loan, making you a less risky borrower. We’ll ensure you meet the FHA’s requirements and structure the loan accordingly. Explore our FHA loan center for more information and visit the official Housing and Urban Development website for additional resources.

FHA Loan Benefits

What are the FHA Loan Requirements?

When you apply for an FHA loan, the following list of documents will help expedite the process. We can help you understand any part of the FHA loan process, so don’t hesitate to contact us with any questions.

Employment and Income Verification:

Credit History:

Financial Obligations:

Property Eligibility and Documentation:

Types of FHA loans

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Still have questions about which loan type is best for you?



A FHA insured mortgage is easy to qualify for, can be obtained with less than perfect credit, costs less and requires a smaller down-payment.

Yes, however be sure to check the pre-payment section of your contract before signing.

Yes, through the Energy Efficient Mortgages Program you can finance 100 percent of the cost of making your home more energy efficient. Contact us to see how.

Yes, the recently created FHA Secure is one of the ways that we can help you refinance your current home loan. Contact us now to see what we can do for you.

The recommended debt-to-income ratio for a FHA loan is 30%.


Absolutely, you can assume an existing FHA loan or allow a buyer to assume yours.

Yes, in fact FHA mortgages often require you to carry mortgage insurance for longer than most conventional loans.

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