No More Landlords!

FHA Home Loans

FHA loans have been helping people become homeowners since 1934.  The Federal Housing Administration allows approved lenders to offer homebuyers a financing alternative with lower down payment requirements, competitive rates, and simplified credit standards.  If you want to buy a home but do not have the funds for a large down payment, FHA may be the best option for you.

Guidelines & Benefits:

  • As little as 3.5% Down Payment
  • Up to 6% Seller Concession
  • Gift Funds Acceptable
  • Extremely Competitive Rates
  • Minimum FICO Score of 600
  • Less Restrictive Debt to Income Guidelines
  • Foreclosure, pre-foreclosure, and deed-in-lieu after 3 year waiting period

We have a Home ownership solution for you!

Contact us today for a free consultation and pre-qualification.

Samantha Petrey Bagwell
VP of Mortgage Lending
NMLS # 1472965
First Citizens Bank
P.O. Drawer 271
Luverne, AL 36049
334-335-3346 – O
334-335-5810 – Fax
sbagwell@fcbl.com – Email