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FHA Loans

Buy with as little as 3.5% down and flexible credit guidelines.

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Who it's for

  • First-time buyers who want a lower down payment
  • Buyers rebuilding credit after a rough patch
  • Households who need room in the monthly budget
  • Anyone who wants a well-known, widely accepted loan

Key benefits

Lower down payment

Many buyers start with 3.5% down, which can keep more cash for moving costs and reserves.

Flexible credit guidelines

FHA is often more forgiving than conventional if your score or credit history is not perfect.

Competitive monthly payment

I'll walk you through mortgage insurance and the full payment so there are no surprises.

Typical requirements

  • A credit profile that can meet current FHA guidelines
  • Documented income and a two-year work history in most cases
  • A down payment, often as little as 3.5% for eligible buyers
  • The home must meet FHA property standards
  • Exact terms vary. Let's review your situation.

Questions about FHA Loans

How much do I need down for FHA?

Eligible buyers often put 3.5% down. I'll confirm the number for your file on our call, including any assistance that may apply.

Does FHA require mortgage insurance?

Yes. FHA loans include mortgage insurance. I'll show you how it affects the monthly payment before you shop.

Can I use FHA for a condo or townhome?

Often yes, if the property meets FHA guidelines. Send me the listing and I'll check it with you.

Related programs

Conventional Loans

Competitive rates and as little as 3% down for qualified buyers.

Learn more →

First-Time Homebuyer

A step-by-step path to your first set of keys, including down payment assistance options.

Learn more →

Ready to see what you qualify for?

Book a free 15-minute call. No pressure, no obligation.

Book My Free CallCall or Text 407-575-4428