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.
Ask about lowering your first years’ payments — see our Buydown Options →
Program Flyers
Latest FHA Loan Insights
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Monthly Payments Matter More Than Down Payments for First-Time Buyers
First-time home buyers prioritize monthly mortgage payments over down payments, with 35.3% citing payments as their top concern versus 17.7% for down payments. Rising interest rates significantly impact monthly costs, affecting affordability more than upfront cash. Many opt for low down payment loans to preserve savings and focus on manageable monthly budgets. Strategies like shopping…
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How Does GSFA Help Veterans and First-Time Buyers with Home Down Payments and Closing Costs?
Buying a home in California can be tough, especially for veterans and first-time buyers. Home prices are high, and saving for a down payment plus closing costs seems like a big task. That’s where programs like the Golden State Finance Authority (GSFA) come in handy, offering help with home buying costs. Let’s explore how GSFA…
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How Much Do You Need to Save for a Down Payment When Using an FHA or VA Loan?
Are you dreaming of owning a home but worried about the hefty down payment? For many first-time homebuyers and veterans in areas like San Gabriel Valley, Los Angeles County, San Bernardino County, and Riverside County, saving for a down payment seems like a big challenge. While home prices are still on the rise, there are…