FHA Loans in Greensboro & the Triad

FHA loans are mortgage options insured by the Federal Housing Administration. They are often used by first-time and repeat buyers who want a lower down-payment path and more flexible credit guidelines than some conventional products — subject to current FHA rules and lender overlays.

Jill Burgess, NMLS #100425, helps buyers in Greensboro, Winston-Salem, High Point, and nearby communities understand whether an FHA loan fits alongside city or NCHFA down payment assistance when stacking is allowed.

High-level points (confirm with Jill):

• Down payments can be as low as about 3.5% for eligible borrowers under current FHA guidelines (credit and other rules apply).

• Mortgage insurance (UFMIP / annual MIP) applies; ask Jill how that affects monthly payment.

• Property must meet FHA standards; appraisals and repairs can matter.

• FHA can sometimes pair with state/city assistance when program rules allow.

How Jill helps:

1. Compare FHA vs conventional / VA / USDA for your file

2. Check whether Housing Connect, High Point, or NCHFA paths may stack

3. Pre-approval and clear next steps to offer

FAQ

Is FHA only for first-time buyers? No — many repeat buyers use FHA when it fits.

What credit score do I need? FHA publishes baseline guidance; lender overlays may be higher. Confirm with Jill.

Can I use DPA with FHA? Often yes when the assistance program allows government first mortgages — confirm stacking rules.

Call (336) 740-9068 · https://www.mortgagesbyjill.com/contact

Ameris: https://bankers.amerisbank.com/nc/winston-salem/jill-burgess-100425

Related: /housing-connect-greensboro · /nc-home-advantage-mortgage · /jumbo-loans-north-carolina

Offices:

3500 Vest Mill Road, Suite 1, Winston-Salem, NC 27103

2711 Pinedale Road, Suite A, Greensboro, NC 27408 (by appointment)

jill.burgess@amerisbank.com

Hours (WS): Mon–Sun 9:00am–6:00pm

Disclaimer: All loans subject to credit approval. Programs, terms, and availability change. Educational only — not a commitment to lend.