Loan Program
FHA
Low down payment and flexible credit — backed by the FHA.
FHA loans are government-insured mortgages designed to make homeownership accessible. With lower credit and down-payment requirements than conventional financing, they're a popular choice for first-time buyers and anyone rebuilding their credit.
Key highlights
- 30-year fixed FHA rates as low as 5.875%
- Up to 96.5% financing
- Down payments as low as 3.5%
- Credit scores starting around 580 considered
- Gift funds allowed toward the down payment
- Streamlined refinance options down the road
Who it's for
- First-time homebuyers
- Buyers with limited savings
- Borrowers with lower or rebuilding credit
Ready to explore a FHA loan?
One quick call with Warren and you'll know exactly what you qualify for — no obligation, no call center.