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FHA Loan: Purchase Loans for First Time Home Buyers

FHA loans are designed to allow buyers without amazing credit, or who have experienced financial hardship, to own a home. They are a popular choice with first time buyers because they don’t require large down payments or perfect credit. These purchase loans are government insured, making it a low risk to the bank, which is why they are so often used for first time home buyers. At Spire Financial (A Division of Amerifirst Financial, Inc.), we help you secure an amazing FHA loan with sometimes as little as 3.5 percent down.

Experience the Advantages of FHA Loans

A big advantage of FHA loans is they require low down payments. Additionally, these purchase loans are available from most lenders to provide a home mortgage for many would-be homeowners. This government insured loan is low risk to the bank and is often used for first time home buyers.

Low Closing Costs & Attainable Credit Rating

Closing costs vary according to the amount of your FHA purchase loan, but our loan specialists can help you pay less. Typical costs for an FHA loan fall into three categories: lender fees, title company fees, and a fee for an appraisal (if needed). There are many ways to have costs paid, including out-of-pocket, a lender credit, a seller credit, rolling them into your loan, or a combination of a few of these. Our team can help you explore options for your particular situation.

A Lending Hand for Financing Home Mortgages

Spire Financial (A Division of AmeriFirst Financial Inc.) brings lending expertise to you. All of our loan officers offer personalized communication for every client, guiding them through the process. We can show you ways to maximize your finances and unlock future opportunities. Spire Financial keeps you in control of refinancing, debt consolidation, and home equity. Together, we can achieve your financial goals.

Other Locations for FHA Loans



Spire Financial, a division of AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 303-595-0110. © 2022. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development or the Federal Housing Administration. Not intended for legal or financial advice. Visit for all state licenses information. Visit NMLS Consumer Access at

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