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. Tidewater Home Funding 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:



"Awesome team to work with during a stressful time. They communicated in a timely manner, gave good advice and accepted our decision when we chose a different route then what they suggested. They were patient and made our second home a dream come true. We will definitely use them again in the future."

-Tamara | Google Review

Contact Us

Is an FHA loan program right for you? Contact our team today and we’ll be happy to help craft a customized mortgage solution based on your unique needs.



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 goverment agency.