FHA LOANS

An FHA loan from Marion Community Bank offers flexible qualification guidelines and a lower down payment requirement, making homeownership more accessible for a wide range of buyers. Whether you're purchasing a home, refinancing, or recovering after a disaster, our FHA programs are designed to help you move forward with confidence.

Why Choose an FHA Loan?

FHA loans are designed to help more borrowers qualify—especially those with limited credit history or a smaller down payment.

What to Expect

FHA loans are designed to help more borrowers qualify—especially those with limited credit history or a smaller down payment.

Low Down Payment Options: FHA requires only a small down payment, making it easier for qualified borrowers to purchase a home.

Multiple Loan Terms: Choose the term that fits your financial goals.

Purchase & Refinance Opportunities: FHA loans can be used for both home purchases and refinancing on primary residences.

No PrePayment Penalty: FPay off your mortgage early without added fees.

Eligible Borrowers & Property Types

FHA and related housing assistance programs offer valuable benefits for a wide range of homebuyers and homeowners, including:

Eligible Borrowers

• First time homebuyers

• Community Partners, such as:

     Law enforcement
     Educators
     Firefighters
     Healthcare workers
     First responders
     Veterans and activeduty military (including surviving spouses)

• Homeowners rebuilding after catastrophic loss or natural disasters

• Borrowers with income ≤ 80% of the area median income (as published by HUD)

Eligible Properties

• Owner-occupied 1–4 family units

• Manufactured housing

• Homes requiring rehabilitation or disaster-related repairs

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