FHA Loans
Low down payment options designed to help first-time and moderate-income buyers achieve homeownership.
FHA Loans, insured by the Federal Housing Administration, allow buyers to put down as little as 3.5% and qualify with credit scores as low as 580. These loans are ideal for first-time homebuyers or those with limited savings looking to secure a stable future in their new home.
Why Choose FHA?
3.5% Down Payment
Minimal upfront funds make purchasing more accessible.
Flexible Credit
Credit scores as low as 580 can qualify.
Competitive Rates
Rates comparable to conventional loans, backed by FHA security.
Government-Backed
Insurance by FHA provides lender security and buyer confidence.
Eligibility & Process
- Minimum credit score of 580 (down payment 3.5%)
- 3.5% down, as low as $6,125 on a $175,000 home
- Mortgage insurance premium required
- Loan limits based on local FHA area thresholds