FHA Mortgages | FHA Loans

FHA loans offer many benefits for those seeking a low down payment with less than perfect credit. As an FHA-approved lender, BankSouth Mortgage may offer you this type of loan, which is guaranteed by the Federal Housing Administration, to provide you with more financing options.

With less restrictive qualification guidelines, these loans are designed to benefit many first-time homebuyers. In fact, some borrowers may qualify for down payment assistance. BankSouth Mortgage also offers FHA refinance products, including low documentation or streamline refinance options. Contact a BankSouth Mortgage expert for more details.


  • 3.5% down payments

  • Gift funds allowed for down payment

  • Higher debt-to-income ratios allowed

  • Non-occupant borrowers allowed

  • Thin or alternate credit allowed

‚ÄčDid You Know?

FHA also provides renovation loans.

FHA's Streamline Refinance program allows qualified FHA-insured homeownters to refinance without an appraisal.

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Down Payment Assistance

Need help with your down payment? BankSouth Mortgage is pleased to offer down payment assistance programs to qualified borrowers

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