Who this may fit
- First-time and repeat homebuyers
- Buyers with limited funds for a down payment
- Borrowers rebuilding or establishing credit
- Eligible owner-occupied multi-unit purchases
Flexible qualification
FHA Mortgages
Government-insured financing with flexible credit and down payment guidelines for eligible primary-residence buyers.
A strategy built around you
More options. Clear guidance.
FHA loans can be a practical option when a conventional loan does not fit. They allow eligible buyers to finance a primary residence with a low down payment while using more flexible credit and debt guidelines.
Options we can explore
- Low-down-payment purchase financing
- Fixed-rate and eligible adjustable-rate choices
- Gift funds where program rules allow
- Eligible down payment assistance combinations
What to consider
- The home must be a primary residence
- FHA mortgage insurance applies
- The property must meet FHA standards
- County loan limits and underwriting requirements apply
Common questions
Helpful answers before you begin.
Is FHA only for first-time buyers?
No. First-time and repeat buyers may use FHA financing if they meet the requirements and will occupy the home as their primary residence.
Does FHA require perfect credit?
No, FHA guidelines may be more flexible than some conventional programs. Approval still depends on the full credit, income, asset, and property review.
Can the seller help with costs?
FHA rules may allow a seller to contribute toward eligible closing costs. The amount and use of the contribution must follow program guidelines.
Ready to build your mortgage strategy?