Loan Program
FHA Loans
Flexible financing for buyers with less-than-perfect credit
What is a FHA Loans?
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help more Americans achieve homeownership. They have more lenient credit requirements and allow lower down payments, making them an excellent option for first-time buyers, those with challenged credit history, or buyers with limited savings.
Key Features
- 3.5% down payment (580+ credit)
- 10% down (500–579 credit)
- Gift funds allowed for down payment
- Higher DTI ratios accepted
- Flexible credit guidelines
- Non-occupant co-borrowers allowed
Requirements
- Credit score 580+ (for 3.5% down)
- 2 years employment history
- Primary residence only
- Property must meet FHA standards
- MIP required for life of loan (if <10% down)
At a Glance
Min. Down Payment3.5%
Min. Credit Score580
Loan LimitVaries by county
Best For
- First-time homebuyers
- Buyers with 580–620 credit
- Limited savings for down payment
- Rebuilding credit history
Ready to Apply?
Get pre-approved in as little as 24 hours. No obligation.
Start Application Call +1 (305) 705-2030Take the First Step
Ready to Find Your
Perfect Loan?
Whether you're buying your first home, upgrading, or refinancing, our team is ready to guide you. Getting pre-approved takes less than 10 minutes.
No obligation. No credit pull required for pre-qualification.