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FHA bad credit loans and Bad credit FHA mortgage loans are available to people who have low credit scores depending upon your location and ability to put more money down.

The FHA guidelines are changing. Mostly in a negative direction. However there are some programs that can help people to either refinance or get into a home with a bad credit FHA mortgage loan.

Below are some examples of what can be done today with FHA bad credit loans.

Bad credit FHA mortgage loans Scores 580 thru 619...FHA Bad Credit Loans

- Only 3.5% down payment

- Borrower must have 3% of costs from his/her own funds

- Seller contribution of up to 3% towards closing

Bad credit FHA mortgage loans Scores 540 thru 579..... FHA Bad Credit Loans

- 10% down payment which is not bad for those scores

- No gift funds permitted with only 10% down, but you can use gift funds if you can put 20% down

- There is no seller concession allowed, but you can have a 3%-6% seller concession if you can put 20% down

Bad credit FHA mortgage loans Scores 500 thru 539....FHA Bad Credit Loans

- Guidelines are changing weekly. So, check with me to find out if you qualify. Down payment will most likely be at least 15%

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Bad Credit FHA Mortgage Loans - FHA Bad Credit Loans