FHA Loans

FHA home loans with a low 3.5% down payment requirement and flexible credit guidelines — an excellent option for first-time homebuyers and those with less-than-perfect credit.

FHA Loan Benefits

• Low 3.5% down payment with a credit score of 580+
• 10% down payment option with credit scores between 500–579
• Flexible debt-to-income ratio requirements
• Seller can contribute up to 6% toward closing costs
• Gift funds allowed for the down payment
• Available for single-family homes, condos, and multi-unit properties (up to 4 units)

Who Qualifies for an FHA Loan?

FHA loans are insured by the Federal Housing Administration and are available to any qualified buyer — not just first-time homebuyers. You must have a steady employment history, verifiable income, and plan to use the property as your primary residence. FHA loans are an excellent option for buyers with past credit challenges or limited savings for a down payment.