Free Class · FHA Loans Explained

Buy a home with less down — and more flexible credit.

FHA was built for buyers who don't have perfect credit, big savings, or a Cinderella story. This is the full guide to how it actually works — and exactly what it takes to qualify.

  • 3.5% down with 580+ credit (10% down with 500–579)
  • How FHA counts student loans differently than other programs
  • Gift funds, seller credits up to 6%, and using reserves
  • The appraisal items that quietly kill FHA deals
  • Upfront MIP, monthly MIP, and when to refinance to drop it
Channing MooreMortgage Broker
4.9 ★115+ Google Reviews
FreeNo credit pull, no pitch
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Channing Moore
Your Presenter

Channing Moore

Owner & Mortgage Broker · Bayou Mortgage

I built Bayou Mortgage with my wife Monica because I was tired of watching Louisiana families get the runaround from out-of-state lenders who didn't understand our market. Born and raised here, licensed only here.

Over 115 five-star Google reviews from real Louisiana buyers — most of them first-timers who came in thinking the process was complicated and left wondering why nobody had explained it this way before. That's exactly what this class is for: no jargon, no pitch, just the truth.