Loan Program · N° 02
FHA Loans
A welcoming door for first-time buyers.
Lower down payments and flexible credit requirements — ideal for first-time buyers ready to break into the market.
Backed by the Federal Housing Administration.
Down payments as low as 3.5% for scores of 580 and above.
Seller can contribute up to 6% toward closing costs.
Mortgage insurance applies — we’ll map your long-term strategy.
3.5% down
Qualify with a credit score of 580+ and a modest down payment.
Flexible credit
More forgiving guidelines for buyers rebuilding or establishing credit.
Gift funds welcome
Your entire down payment can come from an eligible gift.
Common Questions
FHA FAQs
What’s the minimum credit score for FHA?
You can qualify with a score as low as 580 for 3.5% down, and sometimes lower with a larger down payment. FHA is intentionally flexible.
Can my down payment be a gift?
Yes — your entire 3.5% down payment can come from an eligible gift from family, which is a big help for first-time buyers.
Does FHA require mortgage insurance?
Yes, FHA loans carry mortgage insurance. We’ll map a long-term strategy, which often includes refinancing to conventional once you build equity.
Keep Exploring