As low as 3.5% down.

Limited down payment, less than perfect credit – THAT'S OKAY!

The Federal Housing Administration, or FHA, supports homeownership efforts in the United States by offering low down payment loan options with more lenient credit requirements. Mortgage insurance is required, but you do not need to be a first time homebuyer to qualify.

By offering more flexible underwriting guidelines, FHA loans are popular with first time homebuyers who have a limited down payment, for individuals with some credit mistakes, or those recently divorced. FHA loans offer lower interest rates when compared with conventional loans but do require an additional mortgage insurance payment to offset the risk.


3.5% minimum down payment required
10% down payment required for lowest FICO Scores

Mortgage insurance for life of the loan
Approx. 0.85% of loan amount

Must be primary residence

2 years stable, documented income required

Property must be in fairly good physical condition

Ready to apply for an FHA Loan?

Fill out this simple form to get started now!

There are financial strategy and timing considerations that can save you thousands of dollars. We work with our clients to navigate dynamic markets, anticipate underwriting requests, and use strategic intelligence to ensure your offer stands out.

Our Loan Process is Simple:

Looking for something else?

View other loan options here!

Conventional Loan

A long-term 30-year fixed rate loan option for stable payments.

Bank Statement Loan

Self employed? Bank statement loans are for you!

Jumbo Loan

Mortgages for higher conforming loan limits and amounts.

Looking for more? View our full list of loan programs here.