Federal Housing Administration (FHA) home loan

Apply for Federal Housing Administration (FHA) loans with our preferred provider TruHome Solutions, LLC. FHA loans are mortgages that are insured by the Federal Housing Administration, a government program designed for low-to-moderate-income borrowers; they require a lower minimum down payment and lower credit scores than many conventional loans.

FHA loan details:

  • Higher loan-to-value allowed

    • 96.5% on purchase transactions

  • Competitive rates even with lower credit scores

  • Less restrictive credit guidelines for previous foreclosure or bankruptcy

  • Allows for higher debt-to-Income ratios at times

    • Based on compensating factors

  • Upfront Mortgage Insurance Premium can be financed into the loan

Oregon State Credit Union offers several types of home loans. If you want help determining the best loan type for your situation, contact us at 800-732-0173 ext. 5152 or connect with a mortgage loan officer here.

Apply here | FHA loan TruHome

This loan is being funded through TruHome Solutions, LLC.
NMLS ID: 284608
9601 Legler Rd.
Lenexa, KS 66219
(866) 981-1700
All loans subject to approval by TruHome Solutions, LLC. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and property conditions. Oregon State Credit Union is not part of any government agency, nor do we represent or have the endorsement of HUD, FHA, the U.S. Government, or any federal, state, or local government agency. The loan program is made available through TruHome Solutions, LLC. Oregon State Credit Union does not guarantee the products, services, information, or recommendations provided by TruHome Solutions, LLC or TruHome Solutions, LLC’s linked sites.
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