All Purchase Loans
Purchase Loans
FHA
Lower credit score or smaller down payment? FHA is built for you.
FHA loans are backed by the Federal Housing Administration and designed for buyers who need more flexibility — whether that's a lower credit score, smaller down payment, or higher debt-to-income ratio.
Key Features
- • Down payments as low as 3.5%
- • Credit scores as low as 580 (500 with 10% down)
- • Higher DTI ratios allowed — up to 57% in some cases
- • Gift funds allowed for 100% of down payment
- • Available for primary residences only
Best for: First-time buyers, buyers rebuilding credit, or anyone who needs a lower barrier to entry.