Pros – A Government-insured loan with flex and your rate will not fluctuate.

Cons – If you are only going to be in your house for a few years our experts may find a better program for you

• Lock in a low 30-year fixed-rate.

• 580 minimum credit score.

• Bankruptcy eligible – as recent as 1 year with extenuating circumstances.

• Quick and easy approval and closing process.

• No pre-payment penalty.

• Loans are insured by the Government. See HUD.gov for more information on FHA loans.

• Consolidate your debt into one easy payment.

• Get out of an adjustable rate and into a low fixed rate loan.

• Payoff a high interest rate sub-prime 1st and/or 2nd mortgage (combo).

• Payoff a prime rate attached adjustable home equity loan.

• Pay off your mortgage early and save BIG on your overall monthly payments and interest.

• Establish a college fund or contribute to your retirement plan.

• Get rid of an impending balloon payment or prepayment penalty on your current loan.

• Consider home improvements! Add that kitchen, garage, bedroom etc.

• Pay off those tax liens and get the government off your back.