The first time buyer’s best friend
3.5% down, flexible credit, and co borrower options, the program that opens the door.
FHA loans exist to make homeownership reachable: lower down payments, more forgiving credit standards, and the ability to use gift funds and non occupant co borrowers. We handle FHA files daily and know exactly how to make them move fast.
Flexible where it matters
FHA underwriting allows higher debt to income ratios and more recent credit events than conventional loans. A past setback does not have to mean years of waiting.
Family can help
The entire down payment can come from gift funds, and a non occupant co borrower, often a parent, can strengthen qualification. FHA is built for families buying together.
A stepping stone, not a life sentence
FHA mortgage insurance is the cost of the open door. As your equity and credit grow, we watch for the moment a conventional refinance drops it, and call you when it arrives.
Built for
- First time buyers
- Buyers rebuilding credit
- Families using gift funds for the down payment
- Buyers adding a parent as co borrower
No credit pull for your initial consultation
Fair questions, straight answers
FHA guidelines allow scores lower than most conventional programs, and individual lenders set their own minimums. Rather than quote a single number, we will look at your actual credit picture, there is often a path even after past challenges.
FHA loans carry an upfront and a monthly mortgage insurance premium, which is how the program offers flexible terms. We include it in every payment quote so there are no surprises, and plan the refinance that eventually removes it.
Yes, FHA allows 2 to 4 unit properties when you live in one unit. Rental income from the other units can even help you qualify. It is one of the best wealth building starts available.
The best rate you will find is the one the market fights for.
Three minutes to start. No credit pull. No obligation. Real options from 175+ lenders.