FHA Home Loan
FHA loans, insured by the Federal Housing Administration, make homeownership accessible for buyers with smaller down payments or recovering credit.
What is FHA Home Loan?
FHA loans were created to make homeownership achievable for working families. The federal mortgage insurance behind them gives lenders confidence to extend credit on terms a conventional loan could not offer.
You can qualify with a credit score as low as 580 and just 3.5% down. Even scores as low as 500 can qualify with 10% down. Income flexibility is a hallmark: FHA allows higher debt-to-income ratios than most conventional programs.
The trade-off is mortgage insurance: an upfront 1.75% fee (typically financed into the loan) plus a monthly premium for the life of the loan. Many borrowers use FHA as a stepping stone and refinance to a conventional loan once they reach 20% equity.
Who qualifies?
This program is built for borrowers who match the criteria below. If you're not sure, send us a quick message and we'll confirm in minutes.
Talk To An Officer- First-time homebuyers with limited savings
- Buyers with credit scores between 580 and 700
- Borrowers who need flexible debt-to-income guidelines
- Borrowers who experienced a past bankruptcy or short sale
Key benefits
Low Down Payment
Just 3.5% down for credit scores 580+; 10% for 500–579.
Flexible Credit
FHA underwriting accepts past credit events that conventional loans would deny.
Gift Funds Allowed
The full down payment can come from a gift from family or an approved source.
Assumable
Future buyers can assume your low FHA rate — a huge selling advantage.
How it works
Confirm Eligibility
We verify income, credit, and property eligibility.
Get Pre-Approved
Receive a same-day pre-approval letter to make offers.
FHA Appraisal
A specialized FHA appraiser confirms property condition.
Close
Closings typically run 25–35 days from contract.
Frequently Asked
Get a personalized FHA Home Loan quote.
Tell us a little about your scenario. We'll come back to you with real numbers — within one business hour.
No commitment. No fees. No surprises.