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0:21
YouTube
California Mortgage Girl
First-Time Homebuyer Loan Programs Explained: FHA Guide #shorts
Exploring FHA loans for first-time homebuyers: lower down payments and flexible credit options. Ideal if your credit isn't perfect or you need debt-to-income ratio flexibility. #HomebuyerTips #FHALoans #FirstTimeHomebuyer #RealEstate
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FHA loan 2%–3.5% forgivable grant. ✔ Up to 96.5% financing ✔ Grant has no monthly payment ✔ No principal payback ✔ No resale restrictions ✔ Can combine with up to 6% seller concessions ✔ Non-occupant co-borrower allowed ✔ Only ONE borrower must meet eligibility Income cap is ≤160% of area median income OR qualify under one of the other eligibility categories. This program reduces the upfront barrier — without stacking multiple DPAs. #FHALoan #DownPaymentAssistance #FirstTimeHomeBuyer Mitchell Du
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Black history, housing discrimination, FHA loans, the GI Bill, and American history reveal how government housing policies shaped wealth in the United States. This video explores the history of public housing, federally backed mortgages, and why many Black families were excluded from opportunities that helped build the modern middle class. During the 1930s, 1940s, and 1950s, programs such as the FHA, VA loans, and later the GI Bill helped millions of Americans buy homes and build generational we
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