🏡 Buy Your First (or Next) Home with an FHA Loan

💬 “Flexible credit. Low down payment. A clear path to homeownership — even if life hasn’t been perfect.”

📘 What Is an FHA Loan?

An FHA loan is a government-backed mortgage insured by the Federal Housing Administration. It’s designed to help more buyers — especially first-time homeowners, those with credit challenges, or limited savings — purchase a home with confidence.

FHA loans offer lower down payments, flexible qualification standards, and strong consumer protections.

✅ Why Choose an FHA Loan?

  • ✅ As little as 3.5% down payment

  • ✅ Credit scores from 580+ may qualify

  • ✅ More flexible DTI ratios than conventional loans

  • ✅ Use gift funds or down payment assistance

  • ✅ Competitive fixed-rate loan options

  • ✅ Eligible for 1–4 unit primary residences

  • ✅ Non-occupant co-borrowers allowed (e.g., parents helping kids)

💬 Perfect for buyers recovering from financial setbacks or those with non-traditional income sources.

👥 Who’s a Good Fit for an FHA Loan?

✔️ First-time or returning homebuyers
✔️ Credit score 580 or higher
✔️ Small down payment or gift fund use
✔️ Higher-than-average debt-to-income ratio
✔️ Hourly, gig, self-employed, or mixed income
✔️ Past credit events like late payments or bankruptcy

🏠 FHA Property Requirements

To qualify for an FHA loan, the property must:

  • Be a primary residence (no second homes or investment properties)

  • Meet HUD safety and condition standards

  • Pass an FHA appraisal

  • Be a 1–4 unit home, condo, or manufactured home (with restrictions)

💡 Buying a fixer-upper? Ask us about the FHA 203(k) renovation loan!

🧾 What You’ll Need to Apply

Document Purpose
Government-issued ID + SSN Identity verification
Pay stubs (last 30 days) Income verification
Bank statements (last 2 months) Asset verification
W-2s and/or tax returns (2 years) Income and employment history
2-year residence history Underwriting requirement
Purchase contract Proof of home under contract
HOA contact info (if applicable) Required if applicable to property

 

🔍 Common FHA Myths — Busted

❌ “FHA is only for first-time buyers”
✔️ Anyone can use it — not just first-timers.

❌ “You need perfect credit”
✔️ FHA was made for borrowers with imperfect credit.

❌ “It takes too long to close”
✔️ With the right lender team, FHA loans can close just as fast as conventional.

🔗 Related Pages

🚀 Start Your Homeownership Journey

Whether you're just getting started or bouncing back from past challenges, FHA loans offer one of the most accessible paths to owning a home. Let’s see if it’s the right fit for you.

🔵 [Apply Now]
📞 [Speak with an FHA Specialist]
📋 [Check Your FHA Loan Eligibility]

 

🔒 Disclosure

This is not a commitment to lend. FHA loans are subject to credit approval, FHA underwriting standards, and individual financial qualifications. Minimum down payments, credit scores, and income documentation are required. Not all borrowers will qualify. Additional conditions and restrictions may apply. Please consult with a licensed mortgage professional for complete program information.

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