Stop Renting! Buy Your First Home with Just 3.5%
FHA loans make homeownership possible with lower credit requirements and flexible terms. Get your personalized rate quote today.
Discover the Benefits of an FHA Loan
An FHA loan is a government-backed mortgage with a low down payment and flexible credit requirements, making homeownership more accessible, especially for first-time buyers.
Higher loan limits in certain areas.
No prepayment penalties for paying off early.
Secure, predictable fixed interest rates.
Feature
FHA Loan
Conventional Loan
Down Payment
VA Loan: 3.5%
Conventional Loan: 3-20%
PMI Required
VA Loan: Yes
Conventional Loan: Sometimes
Credit Requirements
VA Loan: Moderate
Conventional Loan: Strict
Closing Costs
VA Loan: Moderate
Conventional Loan: Varies
Best for
VA Loan: First-Time Buyers
Conventional Loan: Strong Credit Buyers
How It Works
Apply for pre-approval
We guide you through the FHA loan process & review your eligibility fast
Explore your options
Our team will help you understand your budget & match you with real estate agents in your area
Choose your new home
Find the right property that fits your lifestyle and loan approval amount.
Close with as little as 3.5% down
Own your home sooner than you think. (Even with a lower credit score) closing).
Who Qualifies for an FHA Loan?
- You're a first-time buyer or haven't owned a home in the last 3 years.
- You have a credit score of 580+ (or as low as 500 with 10% down).
- Your debt-to-income ratio is within acceptable limits.
- The home will be your primary residence.
- You can provide proof of steady income and employment history.
