Home at Last – Thanks to FHA Housing Loans

My husband and I have been married for two years and like all newly wed couples who are just starting out their lives together, one of our major considerations was to buy a home. It is after all, needed in starting a family.

What is FHA Loans?

A year ago, my wife and I started going around Tampa Bay area here in San Francisco to look for home that both fits out lifestyles and our budget. It was both exciting and challenging at the same time because while we are enjoying the options we know that we need to make do with the budget that we have. All in all, the quest to find the right home for us was not an easy one, especially considering that we do not have much savings to pay for the skyrocketing down payments the agents are offering us.

Those were very stressful times and it does not only affect our back accounts, but also our relationship. The whole hunt for the perfect house became a source of most of our fights. Then one day, we decided to sit down and talk about our options in getting out of this dilemma and stress about finally settling with a decision regarding purchasing a home.

We studied our options. I suggested something along the lines of going back to my parents’ house in Kansas, but of course, that option was out of the equation before we even discussed the pros and cons. Then, my husband convinced me about applying for one of those FHA housing loans. He said he read about it on the papers and knew someone from work who got his mortgage by applying for this loan.



It seems like a safe option (way better than living in my parents’ house) so we both decided to go through with it. My husband asked the help of his buddy from work and was told to log on to website of a nonprofit organization based in New Jersey that offers free assistance and information regarding FHA loans.

The website looks legitimate and my husband’s friend said that the nonprofit organization has all the legal papers to back up their claim to help people like us. It is good to know that something worthwhile exists on the Internet these days aside from controversial celebrity bloggers and scams.

We signed up to get help and days later, we got a call from them saying that they are ready to process our FHA housing loans and that all we need to do is to provide the necessary documents required by the Federal Housing Authority. Good thing we got all these documents covered and prepared so it did not take us that long to turn in the requirements to our assigned mortgage lawyer.

Months after that, we finally got our loan approved! We found a perfect little home in Tampa Bay area and it is just what we wanted. It is accessible and fits our budget perfectly. I guess we are just very lucky to have such kind people who helped us get through our quest to find a home.