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FHA Loans

FHA loans differ from conventional loans in a number of ways. The down payment required for a 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 3.5-5%

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.

Local FHA Loan directory for PA :
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
Aaronsburg Aleppo Analomink Artemas
Abbottstown Alexandria Andreas Ashfield
Abington Aliquippa Anita Ashland
Ackermanville Allenport Annville Ashville
Acme Allensville Antes Fort Aspers
Acosta Allentown Apollo Aston
Adah Allenwood Aquashicola Atglen
Adamsburg Allison Arcadia Athens
Adamstown Allison Park Archbald Atlantic
Adamsville Allport Arcola Atlasburg
Addison Altoona Ardara Auburn
Adrian Alum Bank Ardmore Audubon
Airville Alverda Arendtsville Aultman
Akron Alverton Aristes Austin
Alba Amberson Armagh Avella
Albion Ambler Armbrust Avis
Albrightsville Ambridge Arnot Avondale
Alburtis Amity Arona Avonmore

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Pennsylvania News
News from the Pennsylvania General Assembly

SEXTING: The House Judiciary Committee voted 22-4 in favor of a bill to make sexting a less serious offense for teenagers than for adults.


Pennsylvania Gov. Ed Rendell promotes plan to amend state sales tax

Governor Edward G. Rendell, flanked by Speaker of the House Keith McCall, left, and Lt.


Lawmaker calls for end of death penalty in Pennsylvania

A Philadelphia-area lawmaker today called for the abolition of the state's death penalty, arguing that execution is ineffective and an economic drain, as well as a moral wrong.


American terror suspects living in average US communities show challenge of homegrown problem

File - Najibullah Zazi arrives at the offices of the FBI in Denver for questioning on in this Sept.


State prison numbers drop for first time since 1972

Spurred by budget crises, California and Michigan together reduced their prison populations by more than 7,500 last year, contributing to what a new report says is the first nationwide decline in the number of state inmates since 1972.


Jamestown man charged with having i.....

A Jamestown resident is facing charges in the city and in Pennsylvania after he allegedly had inappropriate electronic contact with several underage girls via the Internet and through his cell phone.


Carbon monoxide sickens 6 at eastern Pa. grocery

Carbon monoxide from a propane-powered tile cutter being used in a grocery store renovation in eastern Pennsylvania has sickened at least six people.


Bret Michaels of Poison: 'Every time I'm in Pennsylvania, I have a great time'

Bret Michaels performs with his band Poison at the Star Pavilion in Hershey on August 8, 2008.


Ancient Amphibian Skull Discovered at Airport

A meat-eating amphibian that lived 300 million years ago may represent one of the earliest examples of land-based vertebrate life.


Lawmakers targeted in pro-health care overhaul ads

A new $1.3 million ad campaign will target 17 House Democrats this week urging them to support President Barack Obama's health care plan.


Pennsylvania highway deaths decline to record low

The number of deaths on Pennsylvania's highways has plunged to its lowest level since Model Ts still chugged along the roads of the commonwealth, and officials are crediting years of safety programs but cannot rule out an assist from the struggling economy.


NY man charged with mass sexting of W. Pa. teens

Police say a New York man sent nude and lewd text messages to several teenage girls in northwestern Pennsylvania after accessing their personal information on Internet social networking sites.


Sign the Pennsylvania's Promise for Children Declaration- show...

STAND UP and BE COUNTED! Have you ever wished you could show your support for high quality child care for every child in Pennsylvania? Now you can! Keep reading to learn more about the Pennsylvania's Promise for Children Delcaration : Do you believe that quality early learning and child development play a major role in a child's future success in ...


Pennsylvania's college drop-out rate traced to high schools

When Mahala Muzopappa began taking classes at Westmoreland County Community College last year, she realized she was not ready for college-level math.


Accurate census count crucial in Western Pennsylvania

Chris Ramirez is a Pittsburgh Tribune-Review staff writer and can be reached at 412-380-5682 or via e-mail. The mailbox isn't the only place census officials will conduct America's headcount.


Interstate 80 decision looms large for Pennsylvania

The plan to levy tolls on Interstate 80 to generate hundreds of millions of dollars of revenue for road and bridge projects in Pennsylvania won't go forward unless Washington gives it a green light.


Pa.'s 'Tea Party' finding strength in independence

Some day it might be remembered as the Tea Party primary. The newly forming activist groups that identify heartily with calls for cutting taxes, deficits, red tape and government programs are organizing demonstrations, holding candidate forums and getting a boost from private conservative institutions in Pennsylvania.


Pa. residents anticipate flooding, snow melt

Flood warnings have now spread to eastern Pennsylvania as steady rains and melting snow threaten to send rivers over their banks.


GOP Lawmaker: White House Job Offer to Sestak Would Have Been a 'Crime'

A GOP lawmaker says that the White House committed a "crime" if it offered Democratic Rep.


Death rates slide on Pennsylvania roads

Fewer people died on Pennsylvania highways in 2009 than any year since the state started keeping track in 1928, when Model T's still ruled the road.


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"Our family would like to thank Somerset Mortgage Lenders for getting us out of foreclosure. Without your help we do not know what would have become of our family. When we first called, we were in Chapter 13 bankruptcy...Not only will we now be able to keep our home, but we'll be able to put ourselves on track financially, thanks to all the efforts of the wonderful people at Somerset. We will be forever grateful to you all." - Scott & Amy
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