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FHA Loan Programs

Offering a low down payment and flexible guidelines, an FHA loan is ideal for first-time homebuyers.

An FHA mortgage loan is insured by the Federal Housing Administration (FHA), operating under the U.S. Department of Housing and Urban Development. The FHA loan program can be used for the purpose of purchasing, refinancing, or renovating a property. Unlike other loan programs, gift funds can contribute to the down payment. Benchmark Mortgage Companies, an affiliate of Tidewater Home Funding, LLC., has approved delegated underwriting authority with FHA.



Loan Program Benefits

FHA-insured mortgages can help more people enter the homebuying market. Some benefits an FHA mortgage loan program offers includes:



Loan Program Qualifications 

Qualifying for a home mortgage loan can be difficult especially without a sizable down payment and moderate credit report. There are fewer restrictions when qualifying for an FHA loan compared to other loan porgrams. Qualifications for an FHA loan include:


This is not a commitment to lend. All loans subject to program guidelines including credit and property approval. If refinancing an existing loan, the total finance charges may be higher over the life of the loan. These materials are not from HUD, VA, or FHA and were not approved by HUD or any other government agency. 

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Your Experience is Our Priority

Your local lending partner, our team strives to exceed your expectations before, during and after the mortgage process.

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Ready to Fund Your Dreams?

Reach out to our team of local mortgage specialists and take the initial step towards homeownership. Our team is ready to assist you throughout the process, offering you the necessary information and guidance to help you make informed decisions for your unique needs. Don't delay any longer - apply today to begin.