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FHA Loan

FHA Loan — flexible credit, low down

Government-backed financing with lenient credit requirements. Ideal for first-time buyers who haven't saved a large down payment.

See If I Qualify — No Hard Pull

3.5% down minimum

With a 580+ credit score. Buyers with 500–579 credit can still qualify with 10% down.

Flexible credit standards

FHA accepts lower scores than conventional loans and considers the full picture, not just credit.

Gift funds allowed

Your entire down payment can come from a family gift — no personal savings required.

MIP required

FHA loans require mortgage insurance. Worth comparing to conventional options — we'll run the numbers.

FHA requirements

Min. credit score580 (500 w/ 10% down)
Min. down payment3.5%
Max DTI43–57%
2026 loan limit$498,257 (standard)
MIP upfront1.75% of loan
Annual MIP0.55% (30-yr, <5% down)
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Lifetime savings

If rates drop, so could your payment. We monitor the market and tell you when to act.

90+ lenders competing

Wholesale pricing passed directly to you — better than any single bank can offer.

Grants most miss

Most buyers qualify for $5,000–$15,000+ in assistance. We find every program and stack them.

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