FHA Mortgage Loans | Area Home Lending Baton Rouge

Area Home Lending and our experts know FHA mortgage loans in Baton Rouge are issued by federally qualified lenders and insured by the U.S. Federal Housing Authority, a division of the U.S. Department of Housing and Urban Development.

Requirements
Since the government covers losses if you foreclose, the requirements for FHA loans are not as tight as conventional loans. Though some lenders in Baton Rouge will impose tougher standards, most lenders will honor the minimum guidelines set out by the FHA mortgage Loan. These guidelines offer the best opportunity for many borrowers to qualify for home loans in a way they can afford.

Benefits
FHA mortgage loans in Baton Rouge have many benefits associated with them. They offer lower down payments, better interest rates, higher seller contributions, leniency toward credit history, higher debt ratios and lower mortgage insurance in most cases.

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