Skip to content
Apply Now
Ready to get started?

Reach out and give us a call. We’re here to help.

Need support?

Have questions about your current product? Give us a call and we’ll sort it out.

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.

Apply Today
>
No-impact credit check. No commitment.
fha
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

Buy A Home
Lower My Rate
See Personalized Rates
>
No-impact credit check. No commitment.

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

Check ‘em out on: Trustpilot | Google | Zillow | Bankrate

5.0

Russell is the man. He is always there with an answer or will find out. He is honest up front and able to tell you what needs to happen and when as the process is moving forward. he and his team are spot on with helping and the knowledge they have. If you're looking for a friend to help you through the process it is Russell Carmichael. I know who I will call when i need.

Jason M.

Verified Customer

August 19, 2026

5.0

I am a computer idiot and Lee was most helpful and patient

Kathryn B.

Verified Customer

July 31, 2026

5.0

Rick makes the loan process so easy. He is very communicative and positive in every interaction. This is our second time using Rick for a mortgage and he is great!

Robin T.

Verified Customer

June 19, 2026

5.0

We had an outstanding experience working with Christina Klingman. From start to finish, she was professional, knowledgeable, responsive, and genuinely committed to making the entire process as smooth and stress-free as possible. She always took the time to answer our questions and kept us informed every step of the way. Her dedication, attention to detail, and exceptional customer service exceeded our expectations. We highly recommend Christina to anyone looking for someone who truly cares about their clients and delivers an… outstanding experience.

Radames J.

Verified Customer

August 7, 2026

5.0

Felt informed informed , confident and comfortable the whole time

Samuel L.

Verified Customer

August 14, 2026

5.0

One of the things iI was most impressed with is how well she kept me updated at the status of every step of the process.

Dorothy L.

Verified Customer

August 14, 2026

fha1

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.

Get my rate quote

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.

Get pre-qualified now
fha2
fha3

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.

Work with a Lower advisor today
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 score, debt-to-income ratio, 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.

You can use our FHA loan calculator to explore different example payment scenario. 

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.

Alabama Alaska Arizona
Arkansas California Colorado
Connecticut Delaware Florida
Georgia Idaho Illinois
Indiana Iowa Kansas
Kentucky Louisiana Maine
Maryland Massachusetts Michigan
Minnesota Mississippi Missouri
Montana Nebraska Nevada
New Hampshire New Jersey New Mexico
North Carolina North Dakota Ohio
Oklahoma Oregon Pennsylvania
Rhode Island South Carolina South Dakota
Tennessee Texas Utah
Virginia Washington West Virginia
Wisconsin Wyoming DC

Ready to get started?

Apply Now >

Clear
Selection