FHA Loans

An FHA loan could be your key to homeownership — with low down payment options, flexible credit requirements, and support designed for first-time buyers.

FHA loans are government-backed mortgages insured by the Federal Housing Administration. They’re a popular choice for first-time homebuyers thanks to their more flexible credit and income requirements. With a minimum credit score of 580, buyers can qualify with as little as 3.5% down on a 1–4 unit property. Like all government loan programs, FHA loans are strictly for owner-occupied homes, meaning the buyer must intend to live in the property as their primary residence.