Compare more than the down payment.
Discuss the interest rate, lender fees, upfront and ongoing mortgage insurance, and total cash to close. Consider both what you pay today and how long you expect to keep the mortgage.
FHA Home Loans
Explore another path
to your next home.
Understand how FHA financing compares with other home loan options before choosing your next step.
Talk about FHA loans ↗Prepare for a lender review.
Income, credit, debts, and the property all matter. FHA insurance does not guarantee that a particular borrower or property will qualify.
A USEFUL FIRST CONVERSATION
Bring your questions.
We’ll start with what matters to you and explain the next step.
Helpful topics to have ready
- An overview of your timeline and housing goals
- Questions about down payment funds and closing costs
- A list of concerns you want to compare with conventional financing
Keep sensitive documents for an approved secure application channel.
Your questions, answered.
Does FHA mean the government lends me the money?
An FHA-insured mortgage is made through a lender. River Bear is a mortgage brokerage, not a government agency.
Is FHA always less expensive?
No. The answer depends on the available loan terms and your circumstances. Mortgage insurance is an important part of the comparison.
Learn more: CFPB: FHA loans
Let’s work through the details.
A conversation comes before choosing a loan.
Keep exploring
Ready for your next step?
Start your secure application or return to your borrower portal.