FHA home loans · Winchester, Virginia

A flexible path to buying a primary home.

FHA-insured financing may be worth considering for buyers who want a lower down-payment option or more flexible qualifying guidelines. Joe can compare it directly with conventional alternatives.

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How it works

Start with the features that shape the decision.

Flexible qualification

FHA guidelines may accommodate a wider range of credit profiles and financial histories.

Primary homes

FHA loans are designed for eligible owner-occupied properties that meet program requirements.

Upfront and annual insurance

Mortgage insurance is part of the FHA structure and should be included in the total-cost comparison.

Plan before you apply

Details to review with Joe.

Review the full monthly payment, not only principal and interest.
Plan for appraisal and FHA property requirements.
Compare FHA mortgage insurance with conventional private mortgage insurance.
Ask how gift funds and permitted seller contributions may affect cash to close.

Common questions

A flexible path to buying a primary home FAQ

Is FHA only for first-time buyers?

No. Eligible repeat buyers may also use FHA financing for a qualifying primary residence.

Can I buy a fixer-upper with FHA?

Some renovation programs may finance eligible improvements, subject to additional property, contractor and underwriting requirements.

Does FHA mortgage insurance go away?

The answer depends on the loan terms and down payment. Joe can explain the rules that apply to a specific scenario.

First-time buyers Renovation loans Conventional loans

A clear comparison

See how this option fits your goals.

Joe can review your scenario, explain the tradeoffs and compare available alternatives without the jargon.

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Joe Rogers, EVP of Sales – Cornerstone Division and Mortgage Loan Originator, NMLS #188286. For informational purposes only. Loan programs, rates, terms and eligibility are subject to change without notice. All loans are subject to credit approval, property approval and underwriting requirements. Not all applicants will qualify. Equal Housing Opportunity.