Loan programs
FHA loans
Low down payment options and flexible credit. Often the right fit for first-time buyers and anyone rebuilding credit.
The pre-approval application typically takes 10 to 15 minutes to fill out, and requires your consent for a credit check to complete the process.
We are detailed up front to set your deal up for success. We typically need your documents before we can finish your pre-approval.
If you prefer to talk with us before applying, you can text or call first.
A good fit if
- Lower credit scores or thinner credit files
- Low down payment options
- Gift funds for the down payment
Keep in mind
- Mortgage insurance stays for the life of the loan with less than 10 percent down, or 11 years with 10 percent or more
- Property condition standards apply at appraisal
Common questions
What credit score do I need for FHA?
Guidelines are more flexible than conventional, and the honest answer depends on your full file. Rather than quote a cutoff here, send us your situation and we will tell you exactly where you stand, and if you are close, exactly what to fix.
Is FHA only for first-time buyers?
No. Anyone buying a primary residence can use FHA financing.
Can I buy a duplex with FHA?
Yes. FHA allows 2-4 unit properties when you live in one of the units, and the rent from the others can help you qualify.
Not sure which program?
Text us your goals and we will set a time to talk in more detail.
The pre-approval application typically takes 10 to 15 minutes to fill out, and requires your consent for a credit check to complete the process.
We are detailed up front to set your deal up for success. We typically need your documents before we can finish your pre-approval.
If you prefer to talk with us before applying, you can text or call first.
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