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FHA Loans

Affordable home financing with lower down payments.

FHA loans offer low down payments, flexible requirements, and competitive rates to help you find your dream home.

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FHA Loan Benefits

Make homeownership achievable with an FHA loan.

FHA loans are ideal for first-time buyers, those with lower credit scores, and anyone looking to purchase a home with a low down payment. They offer a straightforward path to homeownership with flexible requirements and lower financial barriers.

Buy with as little as 3.5% down
Credit scores as low as 580 qualify
Enjoy competitive rates
Easier approval than conventional loans
First-time buyer friendly

Today's FHA Loan Rates

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Very kind and straight forward. Kept up communication and let us know everything we needed. Highly recommend and would go through her again if we ever need to refinance again.

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This process took well over a year and every time we had even the slightest challenge, Erica had a solution at the ready. So there was never a reason to worry. This was our 11th purchase with Erica and we …are as thrilled as ever with her service and attention to detail.

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Get your personalized FHA rate quote.

Discover how affordable homeownership can be with an FHA loan. Get a personalized rate quote tailored to your financial goals and start your journey today.

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Shop for your FHA Loan with no credit check.

Explore your options risk-free! Get started with a soft credit check that won’t impact your score and see how an FHA loan can work for you.

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Dedicated support, on your schedule.

First-time buyer? We’re here to guide you every step of the way. Our loan advisors are available when you need them—text, call, or email, even on weekends. With personalized service that fits your schedule, we make homebuying simple and stress-free.

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Frequently Asked Questions

You’ve got FHA loan questions. We’ve got answers.

FHA loans are built for accessibility.

They generally have more flexible credit score, debt-to-income ratio, and down payment requirements than conventional loans. Some borrowers may qualify for a 3.5% down payment with a credit score as low as 580.

For many buyers, an FHA loan can open the door to homeownership. If you’re looking for a loan option with more flexible qualification standards and a lower barrier to entry, an FHA loan may be worth considering.

You can use our FHA loan calculator to explore different example payment scenario. 

What types of properties can I buy with an FHA loan?

FHA loans can be used to purchase primary residences, including single-family homes, condos, and multi-family properties (up to four units), as long as you live in one of the units.

How much do I need for a down payment with an FHA loan?

With an FHA loan, you can buy a home with as little as 3.5% down if your credit score is 580 or higher. If your score is between 500 and 579, a 10% down payment is typically required.

What is an FHA loan, and how does it work?

An FHA loan is backed by the Federal Housing Administration, offering low down payments and more flexible credit requirements than conventional loans. It’s designed to make homeownership accessible, especially for first-time buyers. FHA loan limits vary by county.

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FHA Loan Resources


Find out more about FHA loans in your state.

FHA limits and rates vary by state. Click on your state below to learn more about getting an FHA loan.

Alabama Alaska Arizona
Arkansas California Colorado
Connecticut Delaware Florida
Georgia Idaho Illinois
Indiana Iowa Kansas
Kentucky Louisiana Maine
Maryland Massachusetts Michigan
Minnesota Mississippi Missouri
Montana Nebraska Nevada
New Hampshire New Jersey New Mexico
North Carolina North Dakota Ohio
Oklahoma Oregon Pennsylvania
Rhode Island South Carolina South Dakota
Tennessee Texas Utah
Virginia Washington West Virginia
Wisconsin Wyoming DC

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