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Fha Home Loans First Time Buyers Fha Loans Who Qualifies (TNS)-If you’re concerned about getting approved for a conventional mortgage, keep your dreams of homeownership alive by considering a mortgage insured by the Federal Housing Administration. For.Bank Of america fha loan fha mortgage Process An FHA 203(k) loan simplifies the home renovation process. fha 203(k) loans are backed by the federal government, and are typically given to buyers who want to purchase a home and perform upgrades, · You can also apply for VA loans and FHA loans with Bank of America. An FHA loan is insured by the Federal Housing Administration and is available for low-income households that typically either have little money for a down payment and/or a low credit score.