FHA loans
A flexible path to homeownership.
Government-backed FHA loans require as little as 3.5% down with credit scores starting at 580. A go-to program for first-time buyers and households rebuilding credit.
3.5% down at 580+ FICO
Gift funds allowed
Streamline refi available
Best for
First-time buyers, lower down-payment scenarios
FAQs
Straight answers to the common questions.
How fast can we close?+
Most of our files close in 14–21 days. We've closed as fast as 9 days with prepared documentation.
Do you pull credit at application?+
We start with a soft pull — no impact to your score. A hard pull only happens once you've reviewed disclosures and opted in.
What credit score do I need for an FHA loan?+
580+ FICO qualifies for the 3.5%-down program. 500–579 may qualify with 10% down. We'll review your full picture before any hard pull.
Is FHA mortgage insurance forever?+
With less than 10% down, MIP runs the life of the loan. With 10%+ down, MIP drops off after 11 years. Many borrowers refinance to a Conventional loan once they reach 20% equity.
Can my parents help with the down payment?+
Yes — FHA explicitly allows gift funds from family, employers, charities, or government-assistance programs with a simple gift letter.
Quick Calculator
Your estimated payment
$
%
6.375%
Est. monthly payment
$3,430/mo
P&I
$2,695
Taxes
$440
Ins + PMI
$295
Full Calculator
Estimate only. Not a commitment to lend. Actual rate and payment depend on credit, property, and final underwriting.