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FHA Loan Overview
Access your dream home with lower down payments and flexible credit requirements. FHA loans are designed for first-time buyers and those with moderate credit scores, offering a pathway to homeownership that prioritizes your financial flexibility.
As Low as 3.5% Down with 580+ credit
Flexible Credit Requirements
Gift Funds Allowed
FHA loans are optimized for buyers who need lower entry barriers to homeownership.
• First-time buyers
• Buyers rebuilding credit
• Buyers with limited savings
How to Qualify
Review our standard FHA qualification requirements to see if you're ready for homeownership.
CREDIT & DOWN PAYMENT
3.5% down with 580+ credit or 10% down for 500–579 credit
DEBT-TO-INCOME
DTI generally 43–50%
EMPLOYMENT HISTORY
2-year employment history
MORTGAGE INSURANCE
Upfront and annual mortgage insurance required
Myth
FHA is only for low-income buyers.
Reality
FHA is open to any qualified buyer, it is just more flexible on credit and down payment.
Frequently Asked Questions
Can I use FHA more than once?
Yes, as long as it’s for your primary residence.
Is mortgage insurance required forever?
Annual MIP is usually required for the life of the loan if your down payment is under 10%.
Guidelines vary by lender and this is not a guarantee of approval.
