FHA Mortgage Loans

Low Down Payments with Langley


A FHA loan is a mortgage insured by the Federal Housing Administration, an agency within the U.S. Department of Housing and Urban Development. Borrowers with FHA loans pay for mortgage insurance and require a lower down-payment. The less rigorous lending requirements make FHA loans popular with mortgage borrowers.

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  • *APR (Annual Percentage Rate) is the annual cost of credit expressed as percentage of amount financed, including interest, points, and all pre-paid expenses as regulatorily authorized.
  • All rates and points are subject to change at any time.
  • Rates exclude Condo's, Investment Properties, and HARP Loans.
  • Payment examples are principal and interest only, and do not include taxes, insurance, or mortgage insurance.
  • LTV means 'Loan to Value'.
  • 60 day lock-in on all loans.
  • Other lock-in options are available.
  • Some loan programs allow for second homes and/or investment properties.
  • Pre-Qualification — Langley will provide a letter stating a maximum loan amount and interest rate the buyer would qualify for based on preliminary information.