FHA Loan Programs
ESCAMBIA

ETOWAH

FAYETTE

FRANKLIN

GENEVA

GREENE

HALE

HENRY

HOUSTON

JACKSON

JEFFERSON

LAMAR

LAUDERDALE

LAWRENCE

LEE

LIMESTONE

LOWNDES

MACON

MADISON

MARENGO

MARION

MARSHALL

MOBILE

MONROE

MONTGOMERY

MORGAN
AUTAUGA

BALDWIN

BARBOUR

BIBB

BLOUNT

BULLOCK

BUTLER

CALHOUN

CHAMBERS

CHEROKEE

CHILTON

CHOCTAW

CLARKE

CLAY

CLEBURNE

COFFEE

COLBERT

CONECUH

COOSA

COVINGTON

CRENSHAW

CULLMAN

DALE

DALLAS

DE KALB

ELMORE
PERRY

PICKENS

PIKE

RANDOLPH

RUSSELL

ST. CLAIR

SHELBY

SUMTER

TALLADEGA

TALLAPOOSA

TUSCALOOSA

WALKER

WASHINGTON

WILCOX

WINSTON
Alabama Mortgage Options
By County
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Why Ask For An FHA Loan?  


There are lots of reasons to ask your lender for an FHA loan instead of taking a conventional
or an expensive and risky sub-prime mortgage loan. Why not take advantage of the many
benefits and protections that only come with FHA:

Easier to Qualify - Because FHA insures your mortgage, lenders are more willing to give loans
with lower qualifying requirements so its easier for you to qualify.

Less than Perfect Credit - Even if you have had credit problems, such as bankruptcy, its
easier for you to qualify for an FHA loan than a conventional loan.

Low Downpayment - We have a low 3% downpayment, and that money can come from a
family member, employer or charitable organization. Other loans don't allow this.

Costs Less - Many times, FHA loans have competitive interest rates because the loans are
insured by the Federal Government. Always compare an FHA loan with other loan types.

Help You Keep Your Home - The FHA has been around since 1934 and will continue to be
here to protect you when the others walk away. Should you encounter hard-times after
buying your home, FHA has many options to help keep you in your home and avoid
foreclosure.

There is more to buying your home then the monthly house payment. Why not ask for an FHA
loan that will help you buy your house and keep it too? Tell your lender you want an FHA
loan for all the reasons above- FHA is a wise choice.

WHAT IS FHASecure

FHASecure is a refinancing option that gives homeowners with non-FHA adjustable rate
mortgages (ARMs), current or delinquent and regardless of reset status, the ability to
refinance into a FHA-insured mortgage.  With FHASecure, the lender will not automatically
disqualify you because you are delinquent on your loan, and the lender may offer you a
second mortgage to make up the difference between the value of your property and what
you owe.  

By refinancing into a FHA-insured mortgage, you can expect to pay lower monthly mortgage
payments. FHASecure can improve the quality of life for many communities by helping to
reduce the number of mortgage defaults and bringing greater stability to local housing
markets.