Loan Program
FHA Loans
Low down payment, flexible credit — government-backed financing.
Overview
FHA loans are insured by the Federal Housing Administration and designed to help first-time and repeat buyers access homeownership with lower down payments and more forgiving credit requirements.
Key Benefits
- Down payments as low as 3.5%
- Lower credit score minimums
- Higher debt-to-income flexibility
- Gift funds allowed for down payment
- Streamline refinance options
- Assumable loans
Qualification Highlights
- FICO 580+ for 3.5% down (500–579 with 10% down)
- Steady employment for 2 years
- DTI generally up to 43–50%
- Primary residence only
- Mortgage insurance required (UFMIP + annual MIP)
Frequently Asked Questions
No. Anyone meeting credit and income requirements can use FHA on a primary residence.
Questions about FHA Loans?
A licensed loan officer will walk you through your options — no obligation.