Loan Products
FHA Loans
Achieve homeownership with as little as 3.5% down. FHA loans are backed by the Federal Housing Administration and designed for buyers who need flexible credit guidelines and affordable monthly payments.
Why FHA Loans
Key Benefits
Low Down Payment
Put as little as 3.5% down, making homeownership accessible even if you haven't saved a large amount.
Flexible Credit Requirements
Qualify with a credit score as low as 580 for the 3.5% down option, or 500 with a 10% down payment.
First-Time Buyer Friendly
One of the most popular programs for first-time buyers thanks to lower barriers to entry and competitive rates.
Government-Backed Security
FHA insurance protects lenders, which means more favorable terms and easier qualification for you.
Gift Funds Allowed
Your down payment can come from family gifts, grants, or down payment assistance programs.
Is It Right for You?
Who Is an FHA Loan For?
FHA loans are an excellent choice for first-time homebuyers, buyers with limited savings, or anyone whose credit history doesn't meet conventional lending standards. If you're looking for a path to homeownership with a manageable down payment and flexible qualifying criteria, an FHA loan could be the right fit.
Requirements
General Guidelines
- Minimum credit score of 580 for 3.5% down (500 for 10% down)
- Steady employment history (typically 2 years)
- Debt-to-income ratio generally below 43%
- The property must be your primary residence
- FHA mortgage insurance is required
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Other Loan Products
Ready to Get Started?
Apply in minutes and get pre-approved fast. Our team is here to walk you through every step of the fha loans process.
Average pre-approval time: under 24 hours