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Ready to see if FHA fits your budget?
We'll walk through your options and compare FHA against other programs — no obligation.
Apply NowFHA loans are government-backed through the Federal Housing Administration, built for buyers who don't have a large down payment saved or a long credit history — and for existing FHA borrowers looking to refinance into a better rate. They remain one of the most accessible paths to homeownership.
Think FHA might be the right fit?FHA allows as little as 3.5% down, far less than most conventional programs require.
FHA's credit requirements are more flexible than conventional financing, making it accessible to more buyers.
FHA is one of the most widely used programs for buyers purchasing their first home.
The FHA Streamline Refinance option can lower your rate with reduced documentation if you already have an FHA loan in good standing.
FHA loans are generally available with a credit score of 580 or higher for 3.5% down, and some lenders allow scores as low as 500 with a 10% down payment. Exact requirements vary by lender.
FHA loans require both an upfront mortgage insurance premium and an annual premium paid monthly. Unlike conventional PMI, FHA MIP often stays for the life of the loan unless you refinance.
FHA loans are for primary residences and must meet FHA property standards. The home is appraised to confirm it meets minimum safety and livability requirements.
Yes — FHA loans can be used for both purchases and refinances, including cash-out refinances and the FHA Streamline Refinance for existing FHA borrowers looking to lower their rate with reduced documentation.
We'll walk through your options and compare FHA against other programs — no obligation.
Apply Now