FHA Loans - Government Insured

Own a Home with Just
3.5% Down

FHA loans make homeownership accessible with lower down payments, flexible credit requirements, and competitive rates. Perfect for first-time homebuyers and those rebuilding credit.

Why Choose an FHA Loan?

The smartest way to stop renting and start owning

Low Down Payment

Put down as little as 3.5% of the purchase price. Gifts from family or grants can cover 100% of the down payment.

Flexible Credit

Qualify with a credit score as low as 580. Past credit issues like bankruptcy or foreclosure may be okay sooner than you think.

Multi-Unit Properties

Use an FHA loan to buy a 2-4 unit property. Live in one unit and rent out the others to help pay your mortgage.

Do You Qualify for FHA?

FHA loans are designed to be inclusive. Here are the basic requirements to get started.

  • Credit score of 580+ (for 3.5% down)
  • Steady employment history (typically 2 years)
  • Property must be your primary residence
  • Debt-to-Income ratio below 43% (flexible in some cases)
Loan Limits
$498,257+

Floor limit for low-cost areas (2024).
High-cost areas go up to $1,149,825.