FHA Loans
Low down payment, flexible credit
Buy with as little as 3.5% down and less-than-perfect credit. Get a free FHA quote.
● No credit impact● No SSN to start● ~60 seconds
Free FHA quote
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The lowdown
FHA Loans — the essentials
Low rates. 3.5% down. Quick, painless process.
An FHA loan is insured by the Federal Housing Administration. The government insures loans for FHA-approved lenders, reducing their risk if a borrower defaults.
The FHA program was created to make loans more accessible and affordable and to help stimulate the housing market.
We make the FHA process easier, starting with a free FHA qualifier.
Is it right for you?
Why an FHA loan?
FHA is one of the easiest loans to qualify for: a low 3.5% down payment and room for less-than-perfect credit. Great if a 20% down payment isn’t realistic yet.
Check if I qualify- Fixed & adjustable rates
- 3.5% down payments
- Flexible credit guidelines
- Gift funds allowed
- Terms from 5 to 30 years
Good to know
Frequently asked questions
What credit score do I need for FHA?
FHA is designed to be accessible and often works with lower scores than conventional loans. Request a free qualifier and we’ll tell you where you stand.
What is the FHA down payment?
As little as 3.5% down, and the funds can often come from a gift.
Does FHA have mortgage insurance?
Yes, FHA loans include mortgage insurance premiums. We’ll show how it affects your payment and compare it to other options.