Open Account

FHA Loans

Apply Now

b1BANK offers a full range of Federal Housing Administration (FHA) loan programs. The maximum loan amount is decided by the Department of Housing and Urban Development (HUD) for each parish or county. This loan is a great choice if you want to refinance or purchase a home with a low down payment. These programs offer a maximum financing of:


  • PURCHASE – Maximum financing is 96.50% loan to value ratio (LTV)
  • PURCHASE – Maximum financing is 100% (only for borrowers affected by a natural disaster making their current home uninhabitable)
  • LIMITED REFINANCE (paying off mortgage and closing costs) – Maximum financing is 97.75% LTV
  • CASHOUT REFINANCE – Maximum financing is 80% LTV


All loans are subject to credit, asset, liabilities, income and employment, and property type.