FHA Loans

Government-backed loans with as little as 3.5% down, ideal for first-time buyers.

How an FHA Loan Works

FHA loans are insured by the Federal Housing Administration, which lets lenders accept a smaller down payment and a lower credit score than most conventional programs allow. The trade-off is mortgage insurance, paid up front and monthly.

Gift funds from family can cover the down payment, and sellers can contribute toward your closing costs. We check both before you make an offer, so the numbers are settled early.

What to Expect

An upfront mortgage insurance premium added to the loan
A monthly premium for most of the life of the loan
An FHA appraisal that also checks the home is safe and sound
Loan limits set by county, which we confirm for your area

At a Glance

The headline requirements for this program. Your loan officer confirms the exact figures for your situation.

Minimum Down Payment

3.5% with a credit score of 580 or higher

Credit Score

580 or higher, or 500 to 579 with 10% down

Loan Terms

15 or 30 years, fixed rate

Best For

First-time buyers and buyers rebuilding credit

Get Pre-Qualified

Ready to start?

Pre-qualification takes 3 minutes – no credit impact, no commitment.

Begin Pre-Qualification

Explore Other Loan Programs

One application, every program: your loan officer prices each option side by side.

Purchase

First home or fifth – we find the best purchase loan for your situation. Low down payment options available.

Refinance

Lower your rate or tap your equity with a smart refinance strategy tailored to your goals.

VA Loans

Exclusive zero-down financing for veterans and active-duty service members.

View All Loan Programs