Home Buying → FHA Loans
Flexible Credit, Low Down Payment
Government-backed loans with flexible credit requirements and down payments as low as 3.5%. Perfect for first-time buyers and those rebuilding credit.
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What Is An FHA Loan?
FHA (Federal Housing Administration) loans are government-backed mortgages designed to make homeownership more accessible. They're perfect for first-time buyers, those with lower credit scores, or anyone who wants a low down payment option.
The FHA doesn't actually lend money—they insure the loan, which protects lenders and allows them to offer more flexible terms. This means you can qualify with a credit score as low as 500 (with 10% down) or 580 (with just 3.5% down).
FHA loans require mortgage insurance (MIP), but they're often the best option for buyers who don't qualify for conventional loans or want to preserve cash for moving expenses and home improvements.
Why Choose An FHA Loan?
Low Down Payment
Just 3.5% down with 580+ credit score. 10% down for scores 500-579. Much lower than conventional loans.
Flexible Credit
Approve borrowers with lower credit scores. Past credit issues don't automatically disqualify you.
Gift Funds Allowed
100% of down payment can be gifted from family members. Makes homeownership possible for more buyers.
Lower Closing Costs
Sellers can contribute up to 6% toward closing costs. Reduces your out-of-pocket expenses significantly.
Requirements & What To Expect
Credit Requirements
- Credit score of 580+ for 3.5% down
- Credit score 500-579 requires 10% down
- Property must be primary residence
- Debt-to-income ratio up to 50% (with compensating factors)
The Process
- Pre-approval in 24-48 hours
- Property must meet FHA minimum standards
- Mortgage insurance required (upfront and annual)
- Average closing time: 30-45 days
We Help First-Time Buyers Succeed
FHA loans are our specialty. We guide you through every step with patience and clarity.
Ready To Make Your Dream A Reality?
Let's see if an FHA loan is right for you. We'll check your eligibility and explain all your options—no pressure, just honest guidance.