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         Purchase vs. Refinance           

Many people make the mistake that a FHA loan are solely for first time buyers to purchase a home. While this might be one of the more popular transactions, FHA loans are available to anyone for both purchases or refinance transactions. FHA does not have any income restrictions or location restrictions. The do however have maximum mortgage limits that vary by state and county.

There are certain programs that are sponsored by city, county and state government programs that piggyback on top of FHA loan programs that offer below market or subsidized payments that have income or location restrictions.

FHA loan financing is available up to 97.75% of the purchase price for one to four family owner occupied properties.

Borrowers who currently have a FHA loan may choose to refinance using the FHA Streamline Refinance program.

Borrowers who have other types of loans may refinance up to 97% of the appraised value if they are only paying off their existing mortgage or up to 95% of the appraised value if they are paying off debt or taking cash out of the transaction.




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