what is a federal housing administration fha loan 
a federal housing administration fha loan is a home mortgage that is insured by the government and issued by a bank or other lender approved by the agency fha loans require a lower minimum down payment than many conventional loans and applicants may have lower credit scores than the best mortgage lenders usually require 1 fha loans are designed to help low to moderate income families attain homeownership and they are particularly popular with first time homebuyers 