FHA Loans

Federal Housing Administration loans, or FHA loans, can help low and moderate-income buyers secure homeownership. FHA loans accept a lower minimum down payment than some conventional loans and applicants can have lower credit scores than required by other loan options.


  • Qualifying credit scores as low as 500 with AUS approval
  • Lower down payments
    • New purchase mortgages allow for a down payment of 3.5% of the purchase price of the property.
  • The FHA provides more affordable mortgage insurance
  • Maximum loan amount varies by county
  • DTI Max of 57%
  • Available for multi-unit homes
Loans are subject to credit approval. For real estate mortgage professionals only. Not intended for distribution to consumers or other third parties.

FHA loans are mortgages insured by the Federal Housing Administration (FHA). These loans can be issued by any FHA-approved lender in the United States.

An FHA loan works like many other mortgage loans where you borrow an amount of money from a lender and pay it back, typically over 15 to 30 years using fixed-rate mortgages.

These loans are designed to help low to moderate income buyers because they require a lower down payment and lower credit scores to qualify.

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