FHA Loans Your Gateway to Homeownership

FHA Loans in Jena, LA | Kamron Kimbrough, GoRascal

Learn how FHA loans work, including down payment, credit guidelines, and 2026 loan limits, with Kamron Kimbrough at GoRascal in Jena and Central Louisiana.

FHA Loans Your Gateway to Homeownership

What is an FHA loan, and how does it work?

Programs that may fit

What FHA lenders look at

2026 FHA loan limits

Mortgage insurance, explained

FHA or conventional?

FHA may fit when

Conventional may compare well when

From pre-approval to closing

How I can help

Frequently Asked Questions

LET'S TALK

FHA loans may allow as little as 3.5% down for eligible borrowers. They offer flexible credit guidelines and government insurance, which can be a fit for many first-time homebuyers.

The basics

An FHA loan is a mortgage made by an approved lender and insured by the Federal Housing Administration, part of HUD. The insurance protects the lender if the borrower stops paying. Because that risk is covered, lenders can accept a smaller down payment and lower credit scores than many conventional loans require.

The trade-off is mortgage insurance. Every FHA loan includes an upfront premium and an annual premium, and I'll walk you through both before you commit so the full cost is clear.

Who FHA is often designed for

Quick Eligibility Check

Educational suggestions based on typical guidelines — not a credit decision, pre-approval, or a commitment to lend.

Eligibility

FHA sets the minimum standards, and each lender adds its own rules. The same borrower can receive different answers from different lenders, so these are the areas I review with you first.

These are general FHA guidelines, which can change. Your lender's current overlays and automated underwriting findings determine what applies to your file.

Loan limits

FHA limits are set by county and by the number of units in the property. The figures shown are the standard limits for most areas. Some high-cost counties, and Alaska, Hawaii, Guam, and the U.S. Virgin Islands, have higher limits.

Because the limit depends on the county, I confirm it for the specific property before you make an offer. If the price is above your county limit, FHA cannot insure that loan. In that case, compare the conventional and jumbo options.

Standard limits, most areas

Reference figures. Confirm the current FHA limit for your county with HUD or your lender before relying on it.

The real cost

Lower down payments come with insurance costs. Comparing FHA with other programs means comparing these premiums, not only the down payment and the rate.