Loan program
FHA Loans
Government-insured loans with low down payments and flexible credit guidelines.
What type of home loan are you interested in?
All information is secure and will not be sold.
Down payment as low as 3.5% with a 580+ credit score
Gift funds from family can cover the down payment
More flexible on debt-to-income and credit history
FHA loans are insured by the Federal Housing Administration, which lets lenders offer easier qualifying terms. They are one of the most common paths into a first home.
What to know
- Mortgage insurance: FHA loans include an upfront premium and a monthly premium. On most loans with less than 10% down, the monthly premium lasts for the life of the loan unless you refinance.
- Loan limits: FHA sets maximum loan amounts by county, and they update every year.
- Property standards: the home must meet FHA appraisal requirements.
Need to buy a home that needs work? See FHA 203(k) renovation loans.
Best for: First-time buyers and borrowers rebuilding credit.
Get started
What would you like to do?
A few quick questions, about two minutes. It doesn't touch your credit.