FHA Loans
FHA loans — insured by the Federal Housing Administration — are one of the most popular paths to homeownership, especially for first-time buyers. With a low down payment and flexible credit requirements, an FHA loan can put homeownership within reach sooner than you think.
Who It’s For
- First-time homebuyers
- Buyers with limited savings for a down payment
- Borrowers rebuilding or with less-than-perfect credit
Key Features
- Down payments as low as 3.5%
- More forgiving credit score requirements than conventional loans
- Gift funds allowed for down payment and closing costs
- Sellers can contribute toward your closing costs
- Available for 1–4 unit primary residences
- FHA 203(k) options available to finance renovations with your purchase
I’ll walk you through the FHA process step by step — from pre-approval to closing — and compare FHA against conventional options so you can choose with confidence.