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FHA Loans

FHA loans are backed by the Federal Housing Administration and designed to help first-time buyers and those with less-than-perfect credit achieve homeownership.

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Key Benefits

  • Down payments as low as 3.5%
  • More lenient credit score requirements
  • Higher debt-to-income ratios allowed
  • Gift funds can be used for entire down payment
  • Assumable loans (can be transferred to a new buyer)
  • Streamline refinance options available

Requirements

  • 1
    Minimum credit score of 580 for 3.5% down payment
  • 2
    Credit scores 500-579 require 10% down payment
  • 3
    Property must be primary residence
  • 4
    Mortgage insurance premium (MIP) required
  • 5
    Property must meet FHA minimum standards

Ideal For

First-time homebuyers
Buyers with lower credit scores
Those with limited savings for down payment
Buyers recovering from financial hardship

Ready to get started?

Our loan officers are ready to help you find the best fha loans option for your situation.

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Questions? Call us:

(888) 777-3556