Unlock Homeownership with an FHA Loan
You don't need perfect credit or a 20% down payment to buy a home. We help buyers secure government-backed FHA loans with competitive rates and flexible requirements.
Just 3.5% Down Payment
Keep your savings intact. FHA loans require one of the lowest down payments in the industry.
Credit Scores from 580+
Past financial bumps? The FHA program is highly forgiving, approving credit scores far lower than conventional banks.
100% Gift Funds Allowed
Your entire 3.5% down payment can come from a family member, employer, or charitable grant.
See If You Qualify Today
Takes less than 60 seconds. No hard credit pull required to start.
Accessing Capital Through Leading Partners
Why Buyers Choose FHA Loans
Backed by the Federal Housing Administration, these loans reduce the risk for lenders, which translates into incredibly flexible and forgiving terms for you as the buyer.
Minimal Cash to Close
With only a 3.5% down payment requirement, you can keep more of your hard-earned money in your bank account for emergencies, furniture, or renovations.
Higher DTI Limits
Have student loans or car payments? FHA allows for a higher Debt-to-Income (DTI) ratio than standard loans, often allowing you to qualify for a larger home.
Flexible Funding Sources
Unlike some loans that require the down payment to come entirely from your own savings, FHA allows 100% of your down payment to be a documented gift from relatives.
Seller Concessions
The FHA allows the seller to contribute up to 6% of the purchase price toward your closing costs, pre-paid taxes, and insurance, drastically lowering your upfront costs.
Non-Occupant Co-Signers
If your income isn't quite high enough to qualify for the house you want, the FHA allows a relative (like a parent) to co-sign the loan, even if they won't live in the house.
Easy Refinancing Later
Once you have an FHA loan, you gain access to the "FHA Streamline Refinance" program, allowing you to easily lower your rate in the future with no appraisal or income verification.
FHA vs. Conventional Loans
Not sure which path is right for you? Here is a quick comparison of how the Federal Housing Administration program stacks up against standard bank loans.
FHA Loan
-
Credit Score Minimum 580 (for 3.5% down) or 500 (with 10% down).
-
Down Payment As low as 3.5%.
-
Mortgage Insurance Requires Upfront MIP and Annual MIP (often for the life of the loan).
-
Property Condition Must pass stricter FHA safety and habitability appraisals.
Conventional Loan
-
Credit Score Minimum Typically 620, but higher scores are needed for good rates.
-
Down Payment As low as 3%, but usually requires 5% to 20%.
-
Mortgage Insurance PMI required if under 20% down, but automatically cancels later.
-
Property Condition More lenient "as-is" appraisals acceptable.
FHA Payment Estimator
Calculate your estimated monthly payments using the FHA standard 3.5% down payment.
Est. Monthly Payment (P&I)
Principal & Interest only. Does not include taxes, homeowner's insurance, or FHA Mortgage Insurance Premium (MIP).
*Calculator is for educational purposes. FHA loans require an Upfront Mortgage Insurance Premium (UFMIP) of 1.75% of the base loan amount, which is typically rolled into the total loan size, plus an annual MIP added to monthly payments.
Basic FHA Requirements
Wondering if you qualify? The FHA program is designed to be accessible. Here are the primary guidelines you need to meet.
Primary Residence
You must intend to live in the home as your primary residence. Investment properties do not qualify.
Steady Income
You need a verifiable employment history, typically demonstrating steady income for the past two years.
FHA Appraisal
The home must meet strict FHA safety, security, and structural soundness standards before approval.
Valid SSN & Lawful Residency
Borrowers must have a valid Social Security Number and be lawful residents of the United States.
FHA Loan Frequently Asked Questions
Get clear answers about the FHA mortgage process.