FHA Mortgage Information

Congratulations! You have found the best place in Michigan to get approved for a Federal Housing Authority (FHA) mortgage loan. For two decades, Birmingham Bancorp Mortgage has been providing FHA mortgage loans to homeowners just like you. We are the FHA experts and have the highest approval rating of any FHA mortgage lender in Michigan.

FHA Advantages

• Little or no money down
• No FICO scores used in the underwriting decision (What is a FICO score?)
• Ability to finance closing costs
• Easier to qualify
• Cash out to 85% LTV (Loan to Value)
• Ability to refinance your loan without requalifying (Streamline Refinance)

FHA Eligibility

FHA financing may be used by any qualified person, whether or not a US citizen. However, the property must be the borrower's principle residence and the owner must live in the home. In addition, the borrower must also have a social security number. A FHA loan can be used for a purchase or refinance of a home. The maximum loan amounts vary by county. See how much you could borrow in your county.

OR