FHA Home Loan

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Down Payment Assistance

The government is using its own funds to cover your down payment and closing costs. Find Out More

PenFed Dream Makers Grant

The grant is available to active duty, reserve, National Guard, and honorably-discharged first time homebuyers.Call (239) 333-4684 to find out more.

FHA loans make getting a home loan simple

FHA gives you a government-insured loan with flexible choices, making it the easiest way to qualify for refinancing or home buying. Choose a fixed rate or the FHA 5-year ARM.

>> Less strict qualification and credit requirements
>> Lower down payment options
>> Great for refinancing

About FHA Loans

FHA loan qualification requirements

>> Credit scores as low as 600 may qualify
>> Refinance up to 97.75% of your primary home’s value
>> Buy a home with as little as 3.5% down (primary home)

How FHA loans works

>> Keep in mind that your actual payment may vary based on your situation and the current interest rates when you apply
>> You can pay your mortgage at any time without pre-payment penalties
>> 30-year, 25-year, 20-year and 15-year terms are available with fixed rates
>> 5-year adjustable-rate mortgages (ARMs) are also available

Rates and terms are subject to change without notice. Contact us for complete program details.

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Why Community Lending

Our clients deserve our best efforts as well as our respect and courtesy. It is our goal to provide the best customer experience in the industry. We work towards that goal by treating clients honestly, fairly, answering questions as rapidly and thoroughly as possible, and learning the exact needs of our individual clients. With our dedication, comes our commitment which we are proud to stand behind.