For home buyers and homeowners
FHA Loan
Benefit from lower monthly payments and a steady interest rate. Ideal for buying or refinancing.
Is a FHA Loan for you?
You’re working with limited savings
Put down as little as 3.5% of your home’s price—ideal if saving for a large down payment is a challenge.
Your credit isn’t perfect
FHA loans allow lower credit scores and may work even if you’ve had past financial setbacks.
You’re a first-time homebuyer
Your household income must be below a certain threshold to be eligible
You want term flexibility
Choose between a 15-year or 30-year FHA loan, whether you’re buying your first home or refinancing.
Understanding the guidelines
These are general pointers. If they sound like you, let’s talk—no pressure. We’ll explore if a FHA loan is your best fit or find one that truly matches your goals.
Loan purpose
Use this loan to buy a home or refinance your current one. We guide you through both.
About refinancing
Credit profiles
Lenders typically look for a score of 620+. Let’s review your credit picture together.
About credit
Debt to income
Your DTI should ideally be under 45% to manage new payments.
About DTI ratios
Closing costs
These are fees for loan services, separate from down payment.
About closing costs

Estimate Your Possibilities
Use our calculators to explore numbers and understand what might work for you.
Frequently asked questions.
You asked about this loan. We listened. Here are answers based on research from fellow homebuyers, like you.