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FHA Loans

Affordable home financing with lower down payments.

FHA loans offer low down payments, flexible requirements, and competitive rates to help you find your dream home.

No-impact credit check. No commitment.
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FHA Loan Benefits

Make homeownership achievable with an FHA loan.

FHA loans are ideal for first-time buyers, those with lower credit scores, and anyone looking to purchase a home with a low down payment. They offer a straightforward path to homeownership with flexible requirements and lower financial barriers.

Buy with as little as 3.5% down
Credit scores as low as 580 qualify
Enjoy competitive rates
Easier approval than conventional loans
First-time buyer friendly

Today's FHA Loan Rates

No-impact credit check. No commitment.

A better, all-digital experience with 30,000+ 5-star reviews.

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5.0

As a first time homebuyer this was such a learning experience. Kristen helped so much with the entire process and any questions I faced along the way. It was such a pleasure to work with Kristen!

Kenneth M.

Verified Customer
5.0

Patrick was cool and level headed throughout the entire process. Other mortgage brokers we looked into were not vary informative, an communication was almost non existent. That was not the case with Patrick and his team! They were there to help though out every step of the process..couldn't recommend them more!!

Blake H.

Verified Customer
5.0

Joe Tishkoff was outstanding throughout my home purchase. He stepped into the transaction in the middle of the deal and was able to get everything back on track and successfully to the finish line. He was knowledgeable, responsive, and always available to answer my questions and explain every step of the process. I really appreciated his professionalism in making the loan happen despite the challenges. I would highly recommend Joe to anyone looking for a mortgage broker who truly goes the extra mile.

Kristina S.

Verified Customer
5.0

Dante Rosa was suggested to us by our realtor and we could not be more happy with his service. Not only does he do a thorough job explaining the details of the loan process but he is very easy and quick to communicate with. He never made me feel like I was asking too many questions. Finally, he is just so friendly and upbeat. It can be a daunting process to secure a loan and get all the necessary paperwork but Dante made the process seamless. I could even text him information which makes things so easy to get to him! Do not hesitate to use him for your loan. I'm kind of bummed I didn't get to see him at closing, I literally would have given him a hug.

Melanie S.

Verified Customer
5.0

Jeff is extremely knowledgeable and excellent with explaining the mortgage application and loan process. He is very communicative as he answered our questions immediately (even in the early morning and on weekends). He is also very attentive, positive and friendly. We really enjoyed working with him and will recommend him to all of our friends and family who apply for future mortgages.

Christine R.

Verified Customer
5.0

Kept us informed constantly Quick service

Donna M.

Verified Customer
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Get your personalized FHA rate quote.

Discover how affordable homeownership can be with an FHA loan. Get a personalized rate quote tailored to your financial goals and start your journey today.

Shop for your FHA Loan with no credit check.

Explore your options risk-free! Get started with a soft credit check that won’t impact your score and see how an FHA loan can work for you.

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Dedicated support, on your schedule.

First-time buyer? We’re here to guide you every step of the way. Our loan advisors are available when you need them—text, call, or email, even on weekends. With personalized service that fits your schedule, we make homebuying simple and stress-free.

Frequently Asked Questions

You’ve got FHA loan questions. We’ve got answers.

FHA loans are built for accessibility. They generally have more flexible credit scores and down payment requirements than conventional loans. Some borrowers may qualify for a 3.5% down payment with a credit score as low as 580.

For many buyers, an FHA loan can open the door to homeownership. If you’re looking for a loan option with more flexible qualification standards and a lower barrier to entry, an FHA loan may be worth considering.

What types of properties can I buy with an FHA loan?

FHA loans can be used to purchase primary residences, including single-family homes, condos, and multi-family properties (up to four units), as long as you live in one of the units.

How much do I need for a down payment with an FHA loan?

With an FHA loan, you can buy a home with as little as 3.5% down if your credit score is 580 or higher. If your score is between 500 and 579, a 10% down payment is typically required.

What is an FHA loan, and how does it work?

An FHA loan is backed by the Federal Housing Administration, offering low down payments and more flexible credit requirements than conventional loans. It’s designed to make homeownership accessible, especially for first-time buyers. FHA loan limits vary by county.

Learn More

FHA Loan Resources


Find out more about FHA loans in your state.

FHA limits and rates vary by state. Click on your state below to learn more about getting an FHA loan.

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