Residential

FHA Home Loans

Government‑insured mortgages with low down payments and flexible qualification.

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A Great Option for First‑Time Buyers

FHA loans are insured by the Federal Housing Administration and make homeownership more accessible for borrowers with modest savings and credit. With lower minimum down payments and more forgiving underwriting, FHA loans are especially popular with first‑time buyers and those who may not qualify for conventional financing.

Because the loans are insured, lenders can accept lower credit scores and smaller down payments than they would otherwise. In return, borrowers pay mortgage insurance premiums to protect the lender against default.

Program Details

  • Minimum Down Payment: 3.5% of purchase price; may be gifted from relatives or employer
  • Credit Requirements: FHA allows credit scores as low as 580 (or 500 with a larger down payment)
  • Loan Limits: Conforming loan limits vary by county; higher limits for high‑cost areas
  • Mortgage Insurance: Upfront and annual premiums required; may be cancelled by refinancing into a conventional loan once sufficient equity is reached
  • Flexible Qualifying: Higher debt‑to‑income ratios and non‑traditional credit histories considered
  • Seller Concessions: Sellers can contribute toward closing costs up to 6% of purchase price

Explore FHA Financing

Curious if an FHA loan is right for you? We’ll compare FHA and conventional programs so you can make an informed decision.

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