Fha Loan Apr Rates Fha title 1 loan credit requirements About Title I Property Improvement Loans. Loan Security: Any loan over $7,500 must be secured by a mortgage or deed of trust on the property. Loan Prepayment: There is no prepayment penalty. Minimum Age of New residential structures: structure must have been completed and occupied for 90 days.First Time Home Buyer Federal Loan Here’s how we make money. The Pennsylvania Housing Finance Agency offers down payment and closing cost assistance to first-time home buyers in the Keystone State. The PHFA also provides mortgage loan.30 Year Fha Mortgage Rates Today’s Thirty year mortgage rates. When purchasing a home, one of the most confusing aspects of the process is selecting a loan. There are many different financial products to choose from, each of which has advantages and disadvantages.