FHA Financing

Flexible
FHA Loans
for Primary
Homebuyers

FHA loans are designed for owner-occupied homebuyers seeking more flexible qualification standards, lower down payment options, and a more accessible path to homeownership. To better understand your starting point, try our Buying Power Estimator.

With qualifying credit, buyers may purchase with as little as 3.5% down starting at a 580 credit score. For borrowers with credit scores between 500 and 579, FHA generally requires 10% down.

A key feature of FHA financing is mortgage insurance. Most FHA loans include an upfront mortgage insurance premium (UFMIP), which is commonly financed into the loan amount, along with ongoing annual mortgage insurance.

Low Down Payment Qualified buyers may be eligible for financing with as little as 3.5% down.

Flexible Credit Guidelines FHA can be a strong option for borrowers who need more flexible credit qualification than many conventional loans scenarios.

Primary Residence Focus FHA loans are intended for owner-occupied homes, not second homes or investment properties.

Financed Upfront MIP In most FHA forward loans, the upfront mortgage insurance premium can be included in the financed loan amount.

FHA • LOW DOWN PAYMENT • FLEXIBLE GUIDELINES

FHA Financing for Qualified Homebuyers

Built for primary-residence buyers seeking flexible qualification, lower down payment options, and a practical path to homeownership.

Why FHA?

A strong option for buyers who want lower upfront cash requirements and more flexible qualification standards.

Common Uses

Primary residence purchases, first-time homebuyer strategies, and certain rate-term or cash-out refinance scenarios.

How to Start

We review your credit, income, assets, occupancy, and overall loan scenario to determine whether FHA is the right fit.

See If FHA Fits Your Scenario

A quick review can help determine whether FHA financing offers the right balance of flexibility, down payment access, and payment structure for your home purchase or refinance.