FHA Loans
Low down payment, flexible credit guidelines.
FHA loans are government-backed mortgages designed to make homeownership accessible — especially for first-time buyers and borrowers with lower credit scores or limited savings.
FHA Loans Highlights
Qualify with as little as 3.5% down on your primary residence.
Credit scores starting around 580 may be eligible.
Down payment can come from family gifts or approved assistance programs.
FHA loans often carry attractive interest rates backed by HUD.
Best For
- First-time home buyers
- Borrowers with credit scores below 680
- Buyers with limited savings for a down payment
- Households using gift funds or down-payment assistance
General Requirements
- Minimum 3.5% down payment (580+ FICO)
- Steady two-year employment history
- Property must meet FHA minimum standards
- Mortgage insurance premium (MIP) required
Frequently Asked Questions
Yes — but generally only on a primary residence, and typically not on two FHA loans at once except in qualifying life-change situations.
No, FHA loans do not have income caps. They focus on debt-to-income ratios and credit history.
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