FHA Loans
Flexible Qualifying for First-Time and Credit-Recovering Buyers.
FHA Loans
FHA loans are insured by the Federal Housing Administration and designed to help buyers who may not qualify for conventional financing — including first-time buyers, lower down payment scenarios, and those rebuilding credit after a hardship.
Highlights
- 3.50% minimum down payment on purchase.
- Minimum credit score usually 620.
- Post-bankruptcy qualifying — 2 years after.
- Post-foreclosure qualifying — 3 years after.
Best For
- First-time homebuyers
- Buyers with credit scores in the 620–680 range
- Borrowers recovering from bankruptcy or foreclosure
Down payment
3.5% down with a 580+ FICO. Gift funds from family are allowed for the full down payment.
Mortgage insurance
FHA requires both an upfront and monthly mortgage insurance premium (MIP).
Loan limits
FHA loan limits vary by county — we'll confirm the maximum for your area.
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