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FHA Home Financing Loans, Fixed Mortgage Rates as low as 6%
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FHA Home Financing

Buy a new home with affordable FHA financing. We work with FHA lenders specialize in low rate home loan offers with the best government rates, terms and costs to assist your home buying ventures. FHA home financing is respected option for first time homebuyers to consider when financing a home. The FHA loan mortgage enables consumers to save money because they only need to deposit 3% for home purchase down payments.

With FHA loans, borrowers are not required to come up with a 10 or 20% down-payment that most traditional lenders request for buying a home.

FHA home loans offer borrowers who do not have much money to put down a purchase loan, a good loan with a low FHA mortgage rate. FHA programs help low and moderate income families become homeowners by lowering some of the costs of their mortgage loans and by streamlining the lending process.

At SHML, we are a national lender who provides great service for borrowers with all types of credit. We provide special loan for buying and FHA refinancing to qualified customers.

Fed Chief: Let GSEs Securitize $1M Loans
Federal Reserve Chairman Ben S. Bernanke said Thursday that Fannie Mae and Freddie Mac should be allowed to securitize loans of up to $1 million as a way to alleviate the mortgage credit crunch. Currently, Fannie and Freddie cannot purchase or securitize loans larger than $417,000. The Fed chairman said the government could act as a guarantor to aid Fannie and Freddie in securitizing jumbos. "Suppose that the GSEs were to pay their usual mortgage insurance credit fee to the government, which then acted as guarantor so it would be taking away the credit risk from the GSEs," he told the Joint Economic Committee of Congress. "They could automate these jumbo mortgage loans and sell them in the secondary market." Approval for the government-sponsored enterprises to securitize jumbos would need congressional approval.

FHA Mortgage Articles

FHA Mortgage for First Time Home Buyers

Request a FREE FHA Loan Quote online and learn how financing your home with a government sponsored home loan could help you preserve thousands of dollars a year, because FHA loans only require 3% down when buying a home.

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Loan Programs & Options
Smart Home Mortgage Loans inc. offers many loan programs from the primary lenders in all 50 states. Our lending institutions provide home purchase, FHA mortgage refinancing, and refinance loans. Whether you are searching for conventional, non-conforming or sub prime refinancing, our company can connect you with the finest financing providers online.

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