Loan Program
FHA Loans
FHA loans are insured by the Federal Housing Administration and are designed to expand access to mortgage financing for borrowers who may not meet conventional guidelines.
Who it may be appropriate for
- Borrowers with limited down payment funds
- Buyers with shorter or less traditional credit histories
- First-time homebuyers evaluating their options
Potential benefits
- More flexible credit criteria than many conventional programs
- Lower minimum down payment requirements
- Gift funds may be permitted toward down payment
Important considerations
- Mortgage insurance premiums apply and may remain for the life of the loan
- Property must meet FHA appraisal and condition standards
- Loan limits apply and vary by county
General qualification factors
- Credit profile
- Debt-to-income ratio
- Property condition and appraisal
- Occupancy as a primary residence
Frequently asked questions
Program information is general in nature and is not a commitment to lend, an offer of credit, or a guarantee of eligibility, rates, or terms. All loans are subject to application, underwriting review, and program guidelines.
Next steps
Ready to Take the Next Step?
Whether you’re buying, refinancing, or exploring your options, we’re here to help you understand the path forward.