FHA Home Loans

Affordable Homeownership Starts Here

If you’re a first-time buyer or need flexible lending options, an FHA home loan could be your path to homeownership.

Backed by the Federal Housing Administration, FHA loans offer easier qualification, lower down payments, and more lenient credit requirements—making them ideal for many aspiring homeowners.

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FHA Loan Requirements

To qualify for an FHA home loan, you’ll need to meet a few basic FHA loan requirements, including:

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A minimum credit score of 580 for a 3.5% down payment (or 500 with 10% down)

Stable employment and income

Property must meet FHA guidelines and be your primary residence

Debt-to-income ratio generally below 43%

Payment of a mortgage insurance premium (MIP)

Down Payments & PMI

Understanding FHA Loans

One of the biggest perks of an FHA loan is the low down payment—just 3.5% for borrowers with qualifying credit. This makes it easier to save for a home, especially for first-time buyers or those with limited funds. Unlike conventional loans, FHA loans require mortgage insurance premiums to protect lenders. This includes an added Upfront MIP (usually 1.75% of the loan amount), and Annual MIP, paid monthly.
These premiums make homeownership more accessible while maintaining the stability of the FHA loan program.

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FHA Loan vs Conventional Loan

Not sure whether to choose an FHA loan or a conventional loan? Take a look at the key differences.

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Minimum credit score – FHA 580 vs. Conventional 620+

Minimum down payment – FHA 3.5% vs. Conventional 3% – 20%

Mortgage Insurance (MIP) – FHA required vs. Conventional required if less than 20% equity

FHA ideal for first time buyers & lower income vs. Conventional ideal for stronger credit buyers

FHA Loan Process: What to Expect

Apply online for pre-approval

Submit documentation (income, credit, assets)

Get matched with the right loan

Complete home appraisal

Close on your loan and move in

See what you can afford

FHA Loan Calculator

Want to estimate your monthly payments? Use our FHA loan calculator to explore different loan scenarios, including down payment amounts, interest rates, and term lengths.

Try the FHA Affordability Calculator

FHA FAQs

What is an FHA loan and who qualifies?

An FHA loan is a government-backed mortgage designed to help individuals with lower credit scores or limited down payment funds buy a home. It’s ideal for first-time buyers, but available to anyone who meets the credit, income, and debt requirements.

How much down payment do I need for an FHA loan?

FHA loans require as little as 3.5% down if your credit score is 580 or higher. If your score is between 500–579, you may still qualify with a 10% down payment.

Can I use gift funds for the down payment?

Yes! FHA loans allow gift funds from family members, employers, or charitable organizations to be used toward your down payment and closing costs—making it easier to get into your new home.

Are there property requirements for FHA loans?

FHA loans require the home to meet certain safety and livability standards. Our team will help you understand these requirements and ensure any property you’re considering is eligible.

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Discover how an FHA mortgage can bring long-term financial confidence to your homebuying experience.

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