What is an FHA-Insured Loan?

FHA loans are insured by the Federal Housing Administration, a federal government agency.

These loans help make mortgage financing available to individuals by requiring limited down payment resources and less restrictive credit standards.

Why should I consider an FHA-Insured mortgage loan?

Great credit union rates, and low fees
Less restrictive credit score requirements
Purchase and refinance available
Buy a primary residence with as little as 3.5% down
Gift funds acceptable
Seller and lender contributions allowed
Refinance up to 97.75% of your primary home’s value
30 and 15-year term options

GET STARTED

All offers of credit are subject to credit approval; applicants may not qualify for an FHA-Insured mortgage and may be offered credit at higher rates and other loan terms will apply. All FHA loan programs may not be available to all applicants. All applicants must meet FHA loan program requirements. Loan to value restrictions may apply. Subject to Bethpage program, project eligibility review and full underwriting criteria. Products rates and terms subject to change without notice, limitations may apply. FHA-Insured loans require up-front and monthly private mortgage insurance (PMI). Second home and investment property financing not available for FHA-Insured loans. Bethpage Federal Credit Union is not acting on behalf of or at the direction of HUD/FHA or the Federal government. Bethpage does not offer residential mortgage loans in Texas. Membership is required and requires a $5 minimum share account. Speak to a Mortgage Loan Officer for details.