Low Down Payment, Big Possibilities
FHA loans make homeownership accessible with lower down payments, flexible credit requirements, and government-backed security. A great option for first-time and repeat buyers alike.
Loan Overview
Government-Backed Peace of Mind
FHA loans are insured by the Federal Housing Administration, allowing lenders to offer more favorable terms to borrowers who might not qualify for conventional financing. They're one of the most popular paths to homeownership.
Key Advantages
Why Choose FHA
FHA loans remove common barriers to homeownership with flexible requirements and generous allowances for down payment sources.
Low Down Payment
Put just 3.5% down on your new home. On a $300,000 home, that's only $10,500—making homeownership more attainable.
Flexible Credit Standards
FHA loans accept credit scores starting at 580, making them ideal for buyers with limited credit history or past credit challenges.
Gift Funds Welcome
Your entire down payment can come from gift funds from family, employers, or approved organizations—you don't need to save it all yourself.
Seller Contributions
Sellers can contribute up to 6% of the purchase price toward your closing costs, significantly reducing out-of-pocket expenses at closing.
3.5%
Minimum Down Payment
580
Minimum Credit Score
6%
Max Seller Contribution
Questions & Answers
Frequently Asked Questions
An FHA loan is a mortgage insured by the Federal Housing Administration. This government backing allows lenders to offer loans with lower down payments and more flexible credit requirements than conventional loans.
Ready for an Affordable Path to Homeownership?
FHA loans make buying a home possible with low down payments and flexible requirements. Apply today and see what you qualify for.