Government-backed financing
FHA Loans
Low down payment, flexible credit guidelines, and one of the most accessible paths to home ownership.
What it is
A loan built around you.
FHA loans are insured by the Federal Housing Administration, which lets us offer down payments as low as 3.5% and qualify borrowers who might not fit a conventional box. They're a strong option for first-time buyers, borrowers rebuilding credit, and anyone who wants to keep more cash in the bank at closing.
Who it's for
Designed for borrowers like you.
- First-time home buyers
- Borrowers with credit scores starting at 580
- Buyers with limited savings for a down payment
- Households using gifted funds toward closing
Key benefits
Everything you'd expect — and more.
01
3.5% down
Get into a home with a fraction of a conventional down payment.
02
Flexible credit
More forgiving guidelines on credit history and debt-to-income ratios.
03
Gift funds welcome
Down payment can come entirely from a documented gift.
Requirements at a glance
The basics.
- Down payment
- As low as 3.5%
- Min. credit score
- 580 (case-by-case below)
- Property
- Primary residence, 1–4 units
- Mortgage insurance
- Required (UFMIP + monthly MIP)