Home/FHA Loans

FHA Loans — making homeownership attainable.

Down payments starting at just 3.5% with accommodating credit guidelines. An excellent path for first-time purchasers and anyone strengthening their financial standing.

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Why FHA

Designed for broader access.

3.5% down

With a credit score of 580 or above, you can put down as little as 3.5% — bringing homeownership within reach sooner.

Accommodating credit

FHA programs accept lower credit scores than most conventional options. Scores between 500-579 may qualify with a 10% down payment.

Generous DTI limits

FHA allows debt-to-income ratios reaching up to 50% in certain scenarios — helpful for borrowers carrying student loans or other obligations.

Gift funds welcome

Your entire down payment may come from gift sources (family, employer, or approved organizations) — no personal contribution minimum required.

Streamline refinance

Already carrying an FHA loan? Move to a lower rate with simplified documentation through the FHA Streamline refinance program.

Assumable loans

FHA mortgages can be transferred to future buyers — a distinctive advantage if interest rates climb after your purchase.

Regarding mortgage insurance: FHA loans include an upfront mortgage insurance premium (UFMIP) plus an annual MIP folded into your monthly payment. Your loan officer will help you evaluate whether FHA offers the most cost-effective path for your particular situation.

Curious if FHA is your best option?

Get pre-approved in roughly 15 minutes — with no effect on your credit score.

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