Unlock Homeownership with Just 3.5% Down – FHA Loans Made Easy

Whether you're a first-time buyer or have limited credit, FHA loans offer flexible guidelines to help you qualify. Let’s make your dream of owning a home a reality.

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Explore Our Tailored FHA Mortgage Solutions

Explore our tailored FHA lending solutions for every homeowner's needs.

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Why FHA Loans Are a Smart Choice

βœ… Low Down Payment – As little as 3.5%

βœ… Flexible Credit Requirements

βœ… Down Payment Can Be Gifted

βœ… Competitive Interest Rates

βœ… Option to Include Closing Costs in the Loan

βœ… Available for 1–4 Unit Properties

βœ… Fixed & Adjustable Rate Options

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Is an FHA Loan Right for You?

βœ… First-time homebuyers

βœ… Buyers with less-than-perfect credit

βœ… Renters tired of rising costs

βœ… Those with limited savings for a down payment

βœ… Anyone looking for a low-barrier path to homeownership

Learn More
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How the FHA Loan Process Works

βœ… Complete the Quick Qualification Form

πŸ§‘β€πŸ’Ό Speak with Mitchell, a licensed FHA loan expert

πŸ“‹ Get pre-approved and shop with confidence

🏑 Close on your new home with a low down payment

We walk with you every step of the way – from application to closing.

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Frequently Asked Questions

Your Key FHA Loan Questions Answered Simply

What is an FHA Loan?

An FHA loan is a mortgage insured by the Federal Housing Administration, designed for lower credit scores and down payments as low as 3.5%. It makes homeownership accessible to more people.

What are the qualifications needed to apply for an FHA loan?

FHA Loan eligibility requires a minimum credit score of 580 for a low 3.5% down payment, a consistent employment history, and a debt-to-income ratio below 43%.

How does FHA mortgage insurance work?

FHA loans require an upfront mortgage insurance premium paid at closing and an annual premium divided into monthly installments. This insurance protects lenders if the borrower defaults.

Can I refinance my existing mortgage into an FHA loan?

Yes, FHA offers several refinancing options, including the FHA streamline refinance, which simplifies the process without a full credit check or appraisal, if you already have an FHA loan.

Are there special FHA loans for fixer-uppers?

Yes, the FHA 203(k) loan is designed for homes that need repairs or renovation. It allows borrowers to finance the purchase price of the home and the cost of repairs or upgrades in a single mortgage.

What are the closing costs for FHA loans, and can I roll them into the loan?

Closing costs typically range from 2% to 4% of the loan amount. FHA allows buyers to include the upfront mortgage insurance premium and some closing costs in the mortgage amount, provided there is enough equity in the home appraisal to cover these amounts.