Make Homeownership Possible with an FHA Loan!

Learn About the Benefits, Eligibility, and Steps to Get Started!

Affordable Homeownership with Low Down Payment

FHA loans are mortgages insured by the Federal Housing Administration (FHA). They are designed to help lower- and moderate-income borrowers achieve homeownership with more flexible lending requirements and lower down payments compared to conventional loans.

Who is Eligible for an FHA Loan?

Small Call to Action Headline

First-time

homebuyers

Borrowers with

less-than-perfect credit

Those with a higher

debt-to-income ratio

Making improvements

to your home

Program Overview

Start your journey to homeownership with a FHA loan today.

Basic Requirements

A minimum credit score of 580 (with a 3.5% down payment) or 500 (with a 10% down payment)
Steady employment history or proof of income
The home must be the borrower's primary residence
Property must meet FHA property standards

What Can You Use an FHA Loan For?

Purchasing a home

Refinancing an existing mortgage

National Guard members and reservists

Steps to Get a FHA Loan

Check Your Credit
Ensure your credit score meets the minimum requirement.
Calculate Your Budget
Determine how much you can afford to borrow.
Find a Lender
Choose an FHA-approved lender
Prequalify for Your Loan
Understand your budget and how much you can borrow.
House Hunt
Find your dream home with the confidence of FHA backing.
Close on Your Loan
Complete the process and move into your new home!

Ready to Get Started?

Start your journey to homeownership with an FHA loan today. Contact our FHA loan specialists to see how we can help you make your dream a reality.

Frequently Asked Questions

What is the Mortgage Insurance Premium (MIP)?

MIP is required for all FHA loans. It includes an upfront premium paid at closing and an annual premium included in monthly mortgage payments.

Can I use an FHA loan more than once?

Yes, you can use the FHA loan benefit multiple times as long as you meet the eligibility requirements each time.

What are the property standards for an FHA loan?

The home must meet specific safety, security, and soundness standards set by the FHA. The property will be appraised and inspected to ensure it meets these standards.