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FHA Loans

FHA loans are offered through the Federal Housing Administration in conjunction with the US Government to assist home buyers in overcoming many of the obstacles of owning a home. The guidelines used for qualifying are typically less rigorous compared to conventional loans, and may be a good option for you if you have limited monies for down payment and cash reserves, lack credit history, and/or have had past credit issues.

FHA loans offer home buyers the following benefits:

  • Low down payment
  • Closing costs can be funded by gifts or grants
  • No cash reserves needed
  • Non-occupying co-borrowers are allowed 
  • Loan may be fully assumable depending on loan program 




Ready to get started?

 Apply Now

Request a Free Consultation


 For more information
or a rate quote
call (866) 374-7090
email us.

Heritage Bank | NMLS #541567
435 E George Hopper Road, Burlington, WA  98233
Toll Free:  (866) 374-7090