Key Benefits

Advantages of FHA Loans

  • You can qualify with a lower credit score compared to other loans.
  • You can buy a home with a down payment as low as 3.5%.
  • If you already have an FHA loan, you can refinance with FHA Streamline to lower your interest rate.
  • You may qualify even if you’ve had financial difficulties in the past, like a bankruptcy.
  • You may be able to roll your closing costs into your loan.


The Benefits of Getting a Loan from All Coast Lending


  • We’re an FHA-approved lender and process FHA loans every day.
  • You get a completely online application with less paperwork.
  • Home Loan Experts are available via chat, email and phone to help you understand whether an FHA loan is right for you.
  • We service 99% of our mortgages, so our great customer service continues after you close.
  • We don’t charge you to make your mortgage payments online.
  • You can pay off your mortgage ahead of time with no penalties.

Other Popular Loan Options

  • Adjustable Rate Mortgage
  • VA Loan

How It Works

The Different Types of FHA Loans

  • FHA loans are available with different terms, so you can choose the length of the mortgage that works for you.
  • Think you’ll refinance or move within a few years? An FHA adjustable rate mortgage comes with a low fixed rate for the first five years.

How FHA Loans Work

  • You get an FHA loan from an FHA-approved mortgage lender.
  • The loan is insured by the Federal Housing Administration.
  • Because of that insurance, the credit and income requirements for an FHA loan are more lenient.
  • To help fund the FHA program, in most cases you’ll pay mortgage insurance, which is added on to your monthly payment.
  • The home you want to buy will have to meet the FHA’s minimum property standards.