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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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Mrs. Donna is absolutely da bestest! We have turned to her several times for our mortgage needs, questions and needed information... she has always been there, always give straight forward, honest thoughts and opinions for us to make the best decisions for us, not for her or the company/companies she works on behalf of! That in this world is worth its weight in anything!! My wife and I will continue to put our trust in her as long as we… own property and she is in her position anywhere she goes. Henry and Jodi Jameson

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Josh was Easiest loan officer I've ever had to work with was honest through the entire process and made it easy to close would definitely recommend to anyone looking to purchase a home!

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Leslie and her team at Lower.com were amazing! They stepped in when my buyers were at serious risk of losing their home after working with an inexperienced lender. Leslie and her team worked quickly, communicated every step of the way, and got us to the closing table in record time. Their expertise and dedication truly saved the transaction. I highly recommend Leslie and her team!

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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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