FHA Loans
The flexible path to homeownership.
Government-backed FHA loans make buying a home accessible — even with lower credit or a smaller down payment.
Why FHA
Built for real people, real budgets.
- Down payments as low as 3.5%
- Credit scores from 580 (sometimes 500)
- Gift funds allowed for down payment
- Higher debt-to-income ratios accepted
- Eligible for 1–4 unit primary residences
- Streamline refinance options available
3.5%
Min. down
580
Credit score
$498k+
Loan limits