County considers selling delinquent tax properties at two yearsRepublic Monitor, MO -6 minutes agoFox said not everyone can get a loan. "I don't want to be hard on anybody," he said. Whitesell said times already are tough economically, and could be worse ... As stated earlier, FHA is a way for homebuyers to obtain financing for their homes. All home purchases require buyers to make a certain set percentage of the total purchase price, called the down payment. What the FHA mortgage insurance does therefore is to allow a homebuyer to make a modest down payment and obtain a mortgage for the balance of the purchase price.