Built for first-time buyers.
Flexible credit and low down-payment loans backed by the FHA.
FHA.
FHA loans are insured by the Federal Housing Administration. That means more forgiving credit requirements, lower down payments, and a structure designed for first-time buyers. If you've been renting for a while and are ready to buy, this is often the clearest path.
- ✓First-time homebuyers
- ✓Borrowers rebuilding credit
- ✓Buyers planning renovations using 203(k)
- ✓Teachers, law enforcement, and firefighters (Good Neighbor Next Door)
Questions we get about fha.
What credit score do I need for an FHA loan?
580 for the 3.5% down program. Borrowers between 500–579 can qualify with 10% down. We also offer manual underwriting down to 580 with compensating factors.
How long does FHA mortgage insurance stay on the loan?
For most FHA loans today, the annual MI premium stays for the life of the loan. Common strategy: refinance into a conventional loan once you've built 20% equity.
What is an FHA 203(k) loan?
A 203(k) rolls the purchase price and renovation costs into one mortgage. We offer Standard (major projects) and Limited (under $35,000) versions.