Home / Loan Options / FHA Loans
FHA Loans
Government-backed financing with flexible credit guidelines and low down payment requirements.
Built for accessible homeownership
FHA loans are insured by the Federal Housing Administration, which allows lenders to offer more flexible qualification standards than conventional financing. They’re one of the most common paths to homeownership for first-time and lower-credit-score buyers.
Down payments as low as 3.5% with a 580+ credit score
More flexible debt-to-income and credit history requirements
Available for purchases and rate-and-term or cash-out refinances
Gift funds allowed for down payment and closing costs
Is an FHA loan right for you?
FHA loans work well for buyers with limited savings or a shorter credit history. We’ll review your file and confirm eligibility.
FHA loan basics
Min. down payment
3.5% with qualifying credit score.
Min. credit score
Typically 580+ for maximum financing.
Mortgage insurance
Upfront and annual MIP required on most FHA loans.
Occupancy
Primary residences only.