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Posted on Sep 9, 2012 in Stated Income Loans

Question by : Does an FHA loan sound like a good option for us?
We’re trying to purchase our “forever” home. Like all of us we want the lowest payment possible for the next 30 years (in hopes of paying off early!).
The property location qualifies as an FHA approved location.
Rates in our area are starting to climb. Talking to Chase today our current rate is 5.3%. FHA loans are lower.
We plan to put down at least 20% on $ 185K-$ 195K home.
We are a household that brings in around $ 50K a year and has excellent credit.
I’m not sure where mortgage insurance comes into play here. With a 20% downpayment would we still need it?
Anyone have any good and bad points to FHA loans?

Best answer:

Answer by huzaifa
uh huh

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