Loan Programs
FHA Loans
Backed by the Federal Housing Administration, FHA loans open the door for buyers whose credit or savings don't fit the conventional box.
How this loan works
FHA loans are insured by the Federal Housing Administration, which lets lenders offer more flexible credit guidelines and down payments as low as 3.5%. They're a mainstay for first-time buyers, but plenty of repeat buyers use them too — anyone whose credit history, debt load, or savings makes conventional pricing unattractive.
The trade-off is mortgage insurance: FHA loans carry an upfront premium and a monthly premium that, in most cases, lasts for the life of the loan. That's not automatically a dealbreaker — many buyers use FHA to get into the home, build equity, and refinance into conventional later. We'll show you that full arc, not just the first payment.
Program highlights
3.5% down
Down payments from 3.5% for qualified buyers — and gift funds from family can cover it.
Flexible credit
FHA guidelines accommodate a wider range of credit scores and histories than conventional loans.
Competitive rates
Government backing often means strong rates even for buyers with modest credit scores.
A stepping stone
Many FHA buyers refinance to conventional once equity and credit improve, dropping FHA mortgage insurance.
The path, step by step
Credit review
We look at your actual report and score — not assumptions — and map what FHA makes possible.
Pre-approval
A real number, including realistic taxes, insurance, and FHA mortgage insurance.
Find the home
The property gets an FHA appraisal; we coordinate the details so it stays on track.
Close
Same finish line, same team behind it.
Common questions
What credit score does FHA require?
FHA guidelines are more flexible than conventional, and lender requirements vary. Rather than quoting a hard cutoff, we'd rather look at your real report together — the answer is usually more encouraging than people expect.
Does FHA mortgage insurance ever go away?
In most cases FHA monthly mortgage insurance lasts for the life of the loan. The common exit is refinancing into a conventional loan once you've built enough equity — a move we'll flag for you when the numbers work.
Can family help with my FHA down payment?
Yes. Documented gift funds from family members can cover the entire 3.5% down payment on an FHA loan.
Related Programs
First-Time Homebuyer
Low-down-payment paths, down-payment assistance options, and step-by-step guidance built for people buying their very first home.
Learn more →Conventional Loans
Flexible, competitive financing for primary homes, second homes, and investment properties — with as little as 3% down for qualified buyers.
Learn more →Refinance
Lower your rate, shorten your term, or tap equity with a cash-out refinance — reviewed against your current loan so it only happens if it makes sense.
Learn more →Let's Talk
Wondering if FHA is your fit?
One conversation with the team and you'll know for sure — with real numbers, not guesses.