FHA Loans
This loan was designed to make homeownership possible by allowing flexibility with credit and down payments.
FHA financing is not just for first-time homebuyers and provides opportunities for many clients that meet the loan guidelines.
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Product highlights
- Down payment options as low as 3.5%
- Owner-occupied primary residence required
- Mortgage insurance required
- Maximum loan amounts vary by county
- Debt-to-income limits apply
- FHA guarantees mortgage
- Available for 1–4 unit properties
- Streamline refinance option available
- Temporary and permanent rate buydowns allowed
- Flexible credit review
- No prepayment penalty
Borrower advantages
- Down payment options as low as 3.5%
- Used with most DPA programs
- Down payment and other required funds may be gifts
- Seller concessions to help with closing costs and/or buydown costs
- Don’t need to be a first-time homebuyer
- Streamline refinance possible with no appraisal, no income verification and no credit check required
Realtor advantages
- Grow your client base: options for people with student loan debt or lower credit scores
- Specialize in first-time home buyers
- Seller/Agent contributions up to 6% are allowed for closing costs
- Low credit requirement
- Low down payment options
- Can be paired with DPA programs
Frequently asked questions
With short and easy to understand answers.
Couldn’t find your answer?
[email protected]What is an FHA loan?
An FHA loan is insured by the Federal Housing Administration and designed to make homeownership more accessible.
Why do people choose FHA loans?
They’re popular for lower credit score requirements, smaller down payments (as low as 3.5%), and more flexible guidelines.
Is mortgage insurance required?
Yes — FHA loans include mortgage insurance for the life of the loan. That’s something we’ll help you weigh before choosing this option.
Is FHA only for first-time buyers?
Nope. FHA loans are available to repeat buyers and refinances too.
Couldn’t find your answer?
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