Purchase • Refinance
FHA Home Loans
Low down-payment (3.5%) and flexible credit options to help more buyers qualify.
Why FHA?
- Down as low as 3.5%
- More flexibility for past credit challenges
- Gift funds & down-payment assistance often allowed
- Streamline refi option for existing FHA borrowers
Eligibility at a glance
- Credit: program flexibility (often 580+)
- DTI: per guidelines & AUS
- Property: primary residence, FHA loan limits apply
- Upfront & monthly MIP apply
Rate, APR & Payment (example)
Sample: $400,000 loan amount, 30-yr FHA fixed. APR includes certain costs of credit and FHA mortgage insurance where applicable; the note rate calculates principal & interest only. Taxes, hazard insurance and monthly MIP are not included in the sample P&I. Samples are illustrative only, not a commitment to lend or rate lock. Your terms will vary based on your profile and market conditions.
What you may need
- Recent pay stubs & W-2s / 1099s
- 2 months bank/asset statements
- Photo ID, purchase contract (when available)
- Letter of explanation for notable credit events
Good to know
- Upfront & monthly MIP applies
- FHA appraisal has minimum property standards
- Ask about down-payment assistance programs
FAQs
Can I use gift funds?
Often yes—subject to FHA rules and proper documentation.
Is MIP required?
Yes—both upfront and monthly MIP apply; terms vary by LTV and loan term.
How fast can I get pre-approved?
Typically same-day once we have your basics; your letter follows after required verifications.
Disclosures:
Subject to FHA guidelines and loan limits. Program availability, APRs and terms depend on credit, income, assets, property and market conditions. Underwriting approval required. Not a commitment to lend.