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FHA loans are mortgages administered by the US Department of Housing and Urban Development and insured by the Federal Housing Administration (FHA). The insurance from the FHA protects the lender if a borrower defaults on the FHA loan. With this protection, lenders are able to offer more flexible financing. Because of their low down payment requirements, FHA mortgages are often well suited for first-time home buyers. Whether you're looking for a lower rate and payment cash out or both. We can meet your needs in a timely manner and cost effectively.