{"id":14931,"date":"2026-01-15T00:34:06","date_gmt":"2026-01-15T00:34:06","guid":{"rendered":"https:\/\/poefcu.org\/?page_id=14931"},"modified":"2026-01-20T15:40:37","modified_gmt":"2026-01-20T15:40:37","slug":"fha-mortgage-loans","status":"publish","type":"page","link":"https:\/\/poefcu.org\/index.php\/fha-mortgage-loans\/","title":{"rendered":"FHA Mortgage Loans"},"content":{"rendered":"<div id=\"cmsmasters_row_oswnqulxvj\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_j3z9cyi218\" class=\"cmsmasters_column one_half\">\n<div class=\"cmsmasters_column_inner\"><div class=\"cmsmasters_img  cmsmasters_image_n\"><img decoding=\"async\" src=\"https:\/\/poefcu.org\/wp-content\/uploads\/2026\/01\/POE-home-loans-banner.jpg\" \/><\/div>\n<\/div><\/div>\n<div id=\"cmsmasters_column_cbry6b0q58\" class=\"cmsmasters_column one_half\">\n<div class=\"cmsmasters_column_inner\"><div id=\"cmsmasters_heading_iiuoh0cbrm\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h4 class=\"cmsmasters_heading\">FHA MORTGAGE LOANS<\/h4>\n<\/div><div id=\"cmsmasters_fb_694xv1th5g\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_ju3rsysjtt\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">POE Federal Credit Union (POE FCU) offers mortgage financing solutions designed to help members purchase, refinance, or move into their first home or next home.<\/h2>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<p>An FHA loan is a mortgage insured by the Federal Housing Administration (FHA), designed to make homeownership more accessible, especially for first-time buyers or those with limited savings.<\/p>\n<\/div>\n<div id=\"cmsmasters_fb_v52fr2lgpn\" class=\"cmsmasters_featured_block\">\n<a href=\"http:\/\/Test\" class=\"featured_block_link\"><\/a><div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_button_wsuawoi2uf\" class=\"button_wrap\"><a href=\"#\" class=\"cmsmasters_button\"><span>APPLY FOR A FHA MORTGAGE LOAN NOW!<\/span><\/a><\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_fb_9mjh32y93t\" class=\"cmsmasters_featured_block\">\n<a href=\"http:\/\/Test\" class=\"featured_block_link\"><\/a><div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<p style=\"text-align: left;\"><div id=\"cmsmasters_button_zt9rfz2xic\" class=\"button_wrap\"><a href=\"#\" class=\"cmsmasters_button\"><span>VIEW CURRENT RATES<\/span><\/a><\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_febc6l12sd\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_kmypgz5pz\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\"><div id=\"cmsmasters_fb_nnrj4uvoi9\" class=\"cmsmasters_featured_block\">\n<a href=\"http:\/\/Apply%20Now!\" class=\"featured_block_link\"><\/a><div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_4r0coi0gfe\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">Key Features of FHA Mortgage Loans<\/h2>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<p data-start=\"1450\" data-end=\"1633\"><strong data-start=\"1450\" data-end=\"1471\">\u2022 Low Down Payment: <\/strong>FHA loans typically allow a <strong data-start=\"1504\" data-end=\"1535\">down payment as low as 3.5%<\/strong> of the purchase price for borrowers with qualifying credit.<\/p>\n<p><strong data-start=\"1637\" data-end=\"1670\">\u2022 Flexible Credit Requirements: <\/strong>They are often easier to qualify for than conventional mortgages, making them a good option for buyers with <em data-start=\"1783\" data-end=\"1819\">less-than-perfect credit histories<\/em>.<\/p>\n<p><strong data-start=\"1862\" data-end=\"1894\">\u2022 Mortgage Insurance Required: <\/strong>FHA loans require <strong data-start=\"1917\" data-end=\"1954\">mortgage insurance premiums (MIP)<\/strong> \u2014 both an upfront fee that can be financed into the loan and an annual\/monthly premium included in payments.<\/p>\n<p><strong data-start=\"2105\" data-end=\"2128\">\u2022 Government Backing: <\/strong>Because the FHA insures the loan, lenders (including credit unions and partner mortgage lenders) may offer more favorable terms or accept higher risk.<\/p>\n<\/div>\n<div id=\"cmsmasters_fb_qxjurht2cr\" class=\"cmsmasters_featured_block\">\n<a href=\"http:\/\/Apply%20Now!\" class=\"featured_block_link\"><\/a><div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_zer7rw8o3\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\"> Here\u2019s how FHA Mortgages Typically Help Borrowers <\/h2>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<p data-start=\"2423\" data-end=\"2565\"><strong data-start=\"2423\" data-end=\"2445\">\u2022 Lower upfront cost<\/strong> \u2014 A minimum down payment requirement often makes buying a home more attainable.<br \/>\n<strong data-start=\"2569\" data-end=\"2586\">\u2022 Gifts allowed<\/strong> \u2014 Down payment and closing cost funds can come from family or approved sources.<br \/>\n<strong data-start=\"2710\" data-end=\"2742\">\u2022 Flexible qualifying criteria<\/strong> \u2014 Lenders may consider broader credit and income profiles than many conventional loans.<br \/>\n<strong data-start=\"2876\" data-end=\"2905\">\u2022 Insurance protects lender<\/strong> \u2014 The FHA\u2019s mortgage insurance program protects lenders if the borrower defaults, underpinning the flexibility.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_0qnsh5l3s4\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_t1fdptdij\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\"><div class=\"cmsmasters_text\">\n<p data-start=\"2019\" data-end=\"2180\">For more information regarding FHS Mortgage Loans,\u00a0 stop by a branch or give us a call today.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-14931","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/14931","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/comments?post=14931"}],"version-history":[{"count":8,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/14931\/revisions"}],"predecessor-version":[{"id":14943,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/14931\/revisions\/14943"}],"wp:attachment":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/media?parent=14931"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}