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– A Federal housing administration (fha) mortgage is one of the best loan options for a first-time homebuyer. It has few eligibility requirements and they’re all easy to meet, meaning it offers many Americans the chance to take advantage of its benefits. First and foremost your down payment can be as low as 3.5% of your new home’s value.

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However, lenders have strict guidelines as to the type of mobile home that will qualify for a traditional mortgage. indian river shores fha loans "A dip in interest rates early in the year combined with lowered mortgage insurance premiums for FHA loans breathed some life back into the refinancing market in the first quarter," said Daren.