FHA
FHA Loans: Affordable Homeownership
Are you wondering if an FHA loan is right for you? At Barry Lends, we specialize in helping individuals and families navigate affordable pathways to homeownership—especially first-time buyers or those with less-than-perfect credit.
What Is an FHA Loan?
An FHA loan is a mortgage insured by the Federal Housing Administration (FHA). These loans are designed to make homeownership more accessible by offering:
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Low down payments (as little as 3.5%)
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Flexible credit requirements
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Competitive interest rates
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Allowance for gifted funds for down payments
These features make FHA loans ideal for first-time buyers, renters ready to own, or buyers working on rebuilding their credit.
Do You Qualify?
You might qualify for an FHA loan if:
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You have a credit score of 580 or higher (or as low as 500 with a higher down payment)
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Your debt-to-income ratio is within acceptable FHA guidelines
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The home will be your primary residence
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You have stable employment and income
Need help determining where you stand? Barry Lends offers a free pre-qualification review to walk you through your options—no pressure, no upfront commitment.
Let’s Get Started
As your trusted advisor, we are here to guide you every step of the way. Licensed in multiple states and a national reputation for excellence.
We’re committed to transparent, compliant lending practices in accordance with state and federal regulations. All loan applications are subject to underwriting approval. Terms and conditions apply.
PRE-APPROVAL
Get in touch so we can start working together and get you Pre-Approved to find your dream property
