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FHA Loans


FHA loans are ideal for those who seek greater flexibility in credit, down payment, and income. This flexibility can make homeownership possible!  If a borrower cannot qualify for a conventional loan, an FHA loan is a great option.

Originally, FHA loans were created for first-time homebuyers with less-than-perfect credit. Now, FHA loans are available to borrowers of all kinds.  


Insured by the Federal Housing Administration (FHA), FHA-approved lenders are able to provide FHA loans at a reduced risk in the event the borrower defaults on their mortgage payments. 

Credit scores as low as 550 may be accepted (depending on the situation). 


  • 3.5% down for fixed rate

  • Flexible & easier to qualify for

  • Fixed or Adjustable 

  • Insured by the FHA

Ready to Buy a Home?

Cardinal Financial offers flexible loan options to fit your needs. As your go-to trusted professional, Eric will help you navigate your loan options, evaluate trade-offs, and execute a smooth transaction to get you to the finish line as a new homeowner.

With over 20 years of experience in the mortgage industry, Eric Haubenschild with Cardinal Financial has the knowledge and expertise to guide you through the mortgage loan process.

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