Stop Renting!

Buy Your First Home with Just 3.5%

FHA and Conventional loans make homeownership possible with lower credit requirements and flexible terms. Get your personalized rate quote today

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Removing barriers to homeownership

We help you understand the key factors lenders typically consider — including down payment options, credit profile, and loan structure — so you can move forward with clarity and confidence.

Some factors we may review include:

  • Down payment options
    Starting around 3% - 3.5%, depending on the loan program.
  • Debt-to-income ratio
    Generally under 57%, based on your full financial picture.
  • Credit profile
    With programs that may allow scores around 580 or higher.
  • Funds for closing costs
    Which can vary by loan type and situation.
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Loan guidance you can rely on

1,500+

Buyers helped take their first step into homeownership

Guidance

Guidance to help you choose a home that fits your goals and budget

Support

From start to finish

Clear

Clear guidance throughout the process

FHA Payment Estimates

This calculator estimates FHA payments based on down payment and loan term. Mortgage insurance and FHA rules may affect final numbers.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

Frequently
Asked
Questions

You can also get help from a Home Loan expert

What is an FHA loan?
An FHA loan is a government-backed mortgage designed to help buyers qualify with lower credit scores and smaller down payments.
FHA loans typically require as little as 3.5% down, making them one of the most accessible options for first-time buyers.
Many FHA loans allow credit scores starting around 580, depending on your overall financial profile.
No. While it's popular among first-time buyers, FHA loans are available to anyone who meets the qualification requirements.
Yes. FHA loans include mortgage insurance (MIP), which helps protect the lender and allows for more flexible qualification.
The property must be your primary residence and meet FHA property standards. It cannot be used for investment properties.