Only 3.5% down payment
FHA requires just 3.5% down for qualified borrowers, making homeownership more accessible without a large upfront investment.
FHA loans: flexible financing for homebuyers.
FHA-backed loans offer a down payment as low as 3.5% and credit guidelines that can accommodate FICO scores down to 550. We've helped hundreds of borrowers use FHA to buy or refinance—and we'll help you understand if it's right for you.
What is an FHA loan?
FHA loans are insured by the Federal Housing Administration. Lenders can offer more flexible terms because the government backs the loan. That often means a lower down payment and credit requirements that work for many first-time and repeat buyers.
FICO as low as 550
FHA credit guidelines can accommodate borrowers with FICO scores down to 550, subject to FHA and lender requirements—a path for many who may not qualify for conventional financing.
FHA mortgage insurance
FHA loans require mortgage insurance (upfront and annual). We'll explain the cost and how it affects your payment.
FHA purchase and refinance
We help with both new FHA purchases and FHA streamline refinances. All programs are subject to FHA and lender guidelines; eligibility depends on your situation.
FHA purchase
Use FHA financing to buy a primary residence. Ideal for first-time buyers or anyone who benefits from the lower down payment and flexible credit.
FHA streamline refinance
Refinance an existing FHA loan with reduced documentation when you're lowering your rate or payment. No cash out with streamline.
Ready to explore FHA?
Contact us to discuss your situation. We'll walk you through FHA requirements, rates, and whether an FHA loan fits your goals.
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