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Home / FHA loans
Flexible qualifying

FHA loans for real-world credit.

A government-backed option with a low down payment and more forgiving credit guidelines — a practical path to homeownership for many first-time and returning buyers.

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Who it’s for

Buyers across our four states who have a modest down payment or a credit history that’s still recovering — and want flexible qualifying without giving up competitive terms.

Why borrowers choose FHA

  • Low down paymentAs little as 3.5% down for many qualified buyers.
  • Flexible credit guidelinesMore forgiving than many conventional programs on score and history.
  • Gift funds allowedYour down payment can often come from an eligible gift.
  • A path forwardBuy now, and refinance later as your credit and equity grow.

General guidelines

Typical starting points — your officer confirms what fits. FHA loans include mortgage insurance premiums (upfront and annual) that affect your payment.

Down payment
3.5%+
For qualified buyers within FHA guidelines.
Credit score
580+
Often the threshold for the lowest down payment; lower may need more down.
Mortgage insurance
Required
Upfront + annual MIP apply on FHA loans.

Common questions

Is an FHA loan only for first-time buyers?
No — FHA is open to repeat buyers too. It’s popular with first-timers because of the low down payment and flexible credit guidelines.
What’s the catch with mortgage insurance?
FHA loans carry an upfront and an annual mortgage insurance premium. It’s part of the trade-off for flexible qualifying — and many borrowers later refinance out of FHA once they’ve built equity.
Can I use gift money for the down payment?
Often yes — down-payment gifts from eligible sources are commonly allowed. Your officer will explain the documentation.
FHA or conventional — which should I pick?
It depends on your credit, down payment, and goals. We’ll compare both side by side so you can choose with clear numbers.
Ready when you are

Let’s find your path home.

Answer a few quick questions — no impact to your credit to check — and we’ll compare FHA with your other options.

See what you qualify for

A few questions, one screen. A licensed officer reviews it and comes back to you — no credit pull to start. 8 required answers, the rest optional.

We lend on homes in Arizona, California, Colorado and Nebraska. In a hurry? Call 480-588-0397.