FHA Loans
FHA Loans Your Gateway to Homeownership
What Are FHA Loans?
Quick Qualification Check
FHA Loan Requirements
Credit Score
Debt Ratios
Down Payment
2026 FHA Loan Limits
Most Areas
High-Cost Areas
Alaska, Hawaii, Guam & USVI
FHA Loan Benefits
Frequently Asked Questions
Ready to Get Started?
LOAN PROGRAMS
Achieve your dream of homeownership with as little as 3.5% down. FHA loans offer flexible credit requirements and government backing, making them perfect for first-time homebuyers.
FHA loans are mortgages insured by the Federal Housing Administration, designed to make homeownership more accessible. These government-backed loans offer lower down payments, flexible credit requirements, and are especially beneficial for first-time homebuyers.
Get personalized FHA loan options with no impact to your credit score.
FHA loans have more flexible requirements than conventional loans, making homeownership accessible to more people.
*Subject to AUS Approval
Down payment can come entirely from gift funds from family members.
FHA loan limits vary by area. Here are the current 2026 FHA loan limits by area type.
See how FHA loans compare to conventional mortgages and why they might be the perfect choice for your homebuying journey.
Get answers to the most common questions about FHA loans
Let us help you navigate the FHA loan process and find the perfect home financing solution.
| . All loan programs, rates, terms, and conditions are subject to change without notice. Not all loan programs are available in all states. Other restrictions and limitations may apply. This is not a commitment to lend or extend credit. All loans are subject to credit approval. Equal Housing Opportunity.
©
- navigate(l.path)} className="text-sm font-medium transition-colors" style= >
- Loan Programs
- } className="block w-full text-left px-4 py-2.5 text-sm transition-colors hover:bg-gray-50" style= >
- setMobileMenuOpen(!mobileMenuOpen)}>
- } className="block w-full text-left text-sm font-medium py-2" style= >
- navigate('/contact')} className="px-8 py-4 rounded-2xl text-white text-lg font-bold hover:shadow-xl transition-all flex items-center justify-center" style= >Get Pre-Approved
- navigate('/contact')} className="border-2 px-8 py-4 rounded-2xl text-lg font-medium transition-colors" style= >Check Eligibility
- navigate('/contact')} className="w-full text-white py-3 rounded-lg font-medium hover:shadow-lg transition-all" style= >Check My Eligibility
- setOpenFaq(openFaq === i ? null : i)} className="w-full flex items-center justify-between px-6 py-5 text-left">
- navigate('/contact')} className="bg-white px-8 py-4 rounded-lg text-lg font-semibold transition-all hover:shadow-xl hover-lift" style= >Contact Us Today
- navigate(l.path)} className="text-sm transition-colors hover:text-white" style= >
- navigate('/privacy')} className="hover:text-white transition-colors">Privacy Policy
- navigate('/terms')} className="hover:text-white transition-colors">Terms of Use
- navigate('/accessibility')} className="hover:text-white transition-colors">Accessibility