FHA Guidelines

In today’s market, getting approved for a home loan can feel overwhelming—especially if you don’t have a large down payment or perfect credit. That’s where an FHA loan can make all the difference.

FHA loans are designed to help buyers become homeowners with more flexible guidelines and lower upfront costs. Whether you're a first-time buyer or just need a more accessible option, this program makes homeownership more achievable.

With as little as 3.5% down and more forgiving credit requirements, FHA loans are one of the most popular ways to purchase a primary residence.

We help guide you through the entire process so you can secure your home with confidence and clarity.

Program Highlights:

  • As low as 3.5% down payment

  • Flexible credit requirements (580+ qualifies for low down payment)

  • Higher debt-to-income ratios allowed

  • Competitive fixed interest rates

  • Gift funds allowed (family can help with down payment)

Eligible Property Types:

  • Single-Family Homes

  • 2–4 Unit Properties (live in one unit)

  • FHA-Approved Condos

Requirements:

  • Primary residence only (must live in the home)

  • Verifiable income (W2, 1099, or self-employed)

  • Minimum credit score of 580 for 3.5% down

  • Must be able to afford monthly payment

FAQs

How much do I need for a down payment?
As little as 3.5% of the purchase price.

Can I qualify with lower credit?
Yes. FHA loans are designed for buyers with less-than-perfect credit.

Can I use this for an investment property?
No. FHA loans are only for primary residences.

Can someone help me with the down payment?
Yes. Gift funds from family or approved sources are allowed.

Do FHA loans require mortgage insurance?
Yes. Mortgage insurance is included in the monthly payment.

INQUIRE HERE