FHA LOANS
Homeownership Made Accessible
FHA-Insured Mortgages with Low Down Payments and Flexible Credit Requirements
Check Your FHA Eligibility
See if you qualify for an FHA loan. We'll review your situation and show you your options.
✓ Low down payment • ✓ Flexible credit • ✓ Expert guidance
FHA Loan Programs
FHA Standard
The most popular FHA program. Perfect for first-time homebuyers and those with limited down payment savings.
- Down payment as low as 3.5%
- Credit score 580+
- Loan amounts up to $524,225
FHA High Balance
For borrowers in high-cost areas seeking larger loan amounts with FHA benefits.
- Down payment as low as 3.5%
- Higher loan limits for expensive markets
- Same flexible credit requirements
FHA 203(k)
Purchase and renovation financing combined. Perfect for fixer-upper properties.
- Finance purchase and repairs in one loan
- Down payment from 3.5%
- Renovation budget up to 50% of property value
FHA Streamline Refinance
Simplified refinancing for existing FHA borrowers looking to lower payments or switch terms.
- Minimal documentation required
- No appraisal needed in most cases
- Fast approval and closing
Why Choose FHA?
Low Down Payment
Start homeownership with as little as 3.5% down. Perfect for first-time buyers.
Flexible Credit
Credit score 580+ accepted. We work with borrowers with past credit challenges.
Competitive Rates
FHA loans offer competitive interest rates backed by government insurance.
FHA Qualification Requirements
Borrower Requirements
- Credit Score
Minimum 580 (higher scores get better rates)
- Down Payment
3.5% minimum (can be gift funds)
- Debt-to-Income
Generally 43% or lower (up to 50% in some cases)
- Employment
2 years employment history required
Property Requirements
- Primary Residence
Must be your main home
- FHA Appraisal
Property must meet FHA standards
- Mortgage Insurance
Upfront and annual premiums required
- Property Types
Single-family, condos, townhomes eligible