Home / Loan Programs / FHA Loans
Your first home, sooner than you think.
FHA loans open the door with 3.5% down and forgiving credit guidelines — the most popular route to a first home in America.
What an FHA loan entails
Insured by the Federal Housing Administration, FHA loans let buyers qualify with credit scores from 580 (3.5% down) — or even 500–579 with 10% down. Gift funds from family can cover the entire down payment and closing costs.
There's a trade-off to understand: FHA loans carry mortgage insurance (an upfront premium plus monthly MIP). We model the true monthly cost against conventional alternatives with low-down-payment options, so you choose with eyes open.
3.5% down
On a $400,000 home that's $14,000 — plus gift funds allowed for all of it.
Scores from 580
Recent blemishes don't auto-disqualify; compensating factors carry weight.
Seller help up to 6%
Sellers can contribute toward closing costs — we negotiate it into offers.
203(k) renovation
Bundle purchase plus renovation costs into one FHA loan for fixer-uppers.
True-cost example
$400,000 price · 3.5% down · 6.5% rate → roughly $2,890/mo including taxes, insurance and MIP. Your numbers will differ — get a personalized estimate in one call.
From renting to keys
01
Budget session
We set a comfortable price range from your real budget, not a maximum.
02
Pre-approval
Verified approval letter in 24–48 hours that listing agents respect.
03
Home search
FHA-aware offer strategy: appraisal gap planning and concession asks.
04
Close & move
Clear closing disclosure 3 days early — no surprise numbers at the table.
Monthly MIP lasts for the life of most FHA loans — but once you reach 20% equity you can refinance into a conventional loan and drop it. We calendar that review for you automatically.
Yes. FHA allows 100% of the down payment and closing costs to come from family gifts, employer assistance or approved down-payment programs — with a simple gift letter.
Our FHA purchases average 24 days from accepted offer to keys. The appraisal's health-and-safety check adds a few days versus conventional, which we build into every timeline.