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FHA Loans

FHA loans differ from conventional loans in a number of ways. The down payment required for an FHA-insured loan is usually much lower than for conventional loans. FHA loans also have lower credit requirements than conventional loans, making them more available to a wider range of potential homebuyers.

FHA loans offer borrowers several other valuable benefits, not least of which is those aforementioned smaller down payments. Unlike a conventional loan, which ordinarily requires 10-20% down, FHA-insured loans only require down payments as low as 3-5%.

The FHA is also more flexible in calculating factors to determine whether or not to approve the loan, factors such as household income and repayment ratios.

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Alma, Colorado News
Lincoln-Democrat '14er' trail opens

After four years of cooperative efforts, the Mosquito Range Heritage Initiative , Colorado Mountain Club, Colorado Fourteeners Initiative, private landowners, Town of Alma and the U.S. Forest Service-South Park District announce a conditional June 1 opening of the '14er' trail from Kite Lake to Mounts Lincoln and Democrat.

Over the Pass, in search of cheap fun

Screw Memorial Day. The only holiday that really matters this time of year is Over the Pass Day.


Everywhere in the world , locals tend to avoid visiting their hometown tourist attractions.

Custom health and fitness a...

Valerie Swentkowski is on a mission to help people take control of their lives and their health.

Service dogs sought in Summit County

Like many other Summit County residents, Alma holds down more than one job to make ends meet.

Roz Aceto: Where's my SDN?

After stopping at the Alma Coffee House last Saturday, I stepped outside to pick up my Summit Daily and ... No blue box! I looked across the road and still did not find one.

Jon Warnick: Is Stage spending money wisely?

On February 14, Kent Willis of the Summit Stage wrote to explain why taxpayers in southern Summit County pay a transit tax but do not receive transit.

Summit County weekend in music

Sounds like: 'Marley Meets Morcheeba.' We play a mix of originals and covers by the Marleys, Steel Pulse, Morcheeba and Sublime - deep thick beats surrounded by four-part harmonies.

Neale Miller: Stage should service Blue River

On Feb. 25, the Summit Stage will hold a meeting at the Frisco Community Center at 8:15 a.m. to discuss the bus routes.

Summit County's music scene

Devastating Karate, playing Saturday night in Breckenridge, showcases its cover to its second album, 'Santa Monica Lawn Bowling Party.' Mountain Standard Time When: Saturday Where: Motherloaded Tavern, ...

Babies born in November

Hudson Maxwell Callahan was born November 19 to Michael & Theresa Callahan of Dillon Adriana Lucia Montealegre was born November 1 to Bayron Montealegre and Alina Munguia of Silverthorne.

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With Somerset's many FHA home loan programs, owning your dream home is more than just a dream.
"Every other company said they could not help us. After speaking to about five companies, we really believed that no one could. Then we called Somerset, and your company proved us and those other companies wrong. We can't thank you enough for all your hard work and effort in getting us a low fixed rate. We can now breathe easier..." - L. Braun
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