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.
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.
Today's FHA Loan Rates
Legal Disclosures
| Loan Type | Rate | APR | Points | Monthly Payment |
|---|---|---|---|---|
| FHA 30-Year Fixed | 5.750% | 6.524% | 2.250 | $2,223 |
| Loan Type | Rate | APR | Points | Monthly Payment |
|---|---|---|---|---|
| FHA 30-Year Refinance | 5.875% | 6.673% | 2.250 | $2,251 |
| Loan Type | Rate | APR | Points | Monthly Payment |
|---|
FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 6.524% APR and $2,223 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only.
FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 6.673% APR and $2,251 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only.
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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
August 2, 2026
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
August 3, 2026
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
June 23, 2026
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
May 21, 2026
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
June 9, 2026
Kept us informed constantly Quick service
Donna M.
Verified Customer
May 28, 2026
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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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.
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.
FHA Loan Resources
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Can You Assume an FHA Loan?
Learn how to assume an FHA loan, including eligibility, qualification requirements, and potential...
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Can You Buy a Short Sale Home With an FHA Loan?
Learn how to buy a short sale home with an FHA loan, including eligibility, appraisal requirements,...
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Can You Have Two FHA Loans At Once?
Discover the rules for having two FHA loans, including exceptions for relocation, divorce, and...
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Can You Refinance an FHA Loan?
Explore your options for refinancing an FHA loan, including Streamline, Simple, and Cash-Out...
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FHA-Approved Condos: Can You Buy a Condo With an FHA Loan?
Learn how to buy a condo with an FHA loan, including requirements for FHA approval and Single-Unit...
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FHA Gift Funds Down Payment Rules
Learn how FHA gift funds can help cover your down payment and closing costs, including eligibility...
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FHA Loan Closing Cost Requirements
Discover FHA loan closing costs, including fees, down payments, and mortgage insurance. Learn how...
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FHA Loan DTI Requirements: What Ratio Do You Need to Qualify?
FHA uses 31% and 43% as key DTI benchmarks. Learn how manual underwriting, compensating factors and...
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FHA Mortgage Insurance Removal: What Borrowers Need to Know
Learn how to remove FHA mortgage insurance, understand its duration based on loan terms, and...
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FHA Multifamily Loans: Finance 2-4 Units With 3.5% Down
Learn how to buy a duplex, triplex, or fourplex with an FHA loan with just 3.5% down if you live in...
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.