FHA Loans
The Federal Housing Administration (FHA) insures the loans for this program making it possible for buyers who may have limited cash availability, low to moderate income, and lower credit scores to purchase a home.
Take a look at the many great benefits of using the FHA Loan programs:
- Easier borrower qualification
- Low minimum down payment requirement- just 3.5%!
- Gifts and government down payment assistance are acceptable sources for the down payment
- Great rates that are comparable to conventional loan rates
- Lower mortgage insurance premiums, and under certain conditions, automatic cancellation of the premium
- Limited closing cost fees (e.g., the origination fee cannot exceed 1% of the mortgage loan)
- Loans can be assumable to qualified buyers
- State down payment assistance programs, like MSHDA , are allowed
- Renovations and repairs can be included when financing with the FHA 203k Renovation Loan
Contact me today to see if this is the right loan program for you!
Latest Blog Post
Current Mortgage Rates in Kalamazoo: Your 2026 Interest Rate Flight Plan
What if the “perfect” moment to lock in your loan isn’t a single day on a calendar, but a specific window of opportunity you’re already flying through? Many homebuyers in West Michigan spent the last 12 months waiting for a dramatic drop that never quite hit the runway. It’s true that current mortgage rates can feel like a moving target when you’re looking at national headlines that don’t account for the local Kalamazoo market. You’ve likely felt the frustration of seeing one number on the news only to find a different reality when you’re shopping for a home in Portage, Mattawan, or Schoolcraft.
I understand that the technical jargon and conflicting forecasts can make you feel like you’re flying through heavy fog without a GPS. This guide is your 2026 flight plan to gain total clarity. You’ll learn how to identify the actual rate floor, compare the latest loan products for 2026, and build a personalized strategy to maximize your borrowing power. We’re going to break down the local data and specific 2026 trends so you can stop guessing and start making confident moves toward your new front door.