What is an FHA Loan?


FHA loans are insured by the Federal Housing Administration. These loans are designed to help first-time homebuyers and experienced homeowners alike. FHA loans require mortgage insurance premiums, which serve as protection for lenders in the event a homeowner defaults on their home loan. The availability of FHA loans, guaranteed by the government, allow lenders to offer mortgage financing to more home buyers.

FHA Loan Benefits


  • Down payments as low as 3.5%
  • Less than perfect credit can apply
  • Energy-efficient mortgages, refinances, and renovation loans also available

Waterstone Mortgage can help you achieve your dreams of homeownership with a Federal Housing Administration (FHA) Loan featuring a low down payment and flexible credit requirements.

Learn More about the Loan Application Process

A Waterstone Mortgage home loan professional will answer any question you may have and walk you through the loan application process.

Get Pre-Approved!