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Flexible Financing With Lower Down Payments
FHA loans offer flexible, affordable financing designed for today’s buyers — especially first-time homeowners, lower-down-payment borrowers, and those rebuilding credit. Backed by the Federal Housing Administration, FHA loans provide competitive rates, streamlined guidelines, and down-payment options starting at just 3.5%.
• Low Down Payment – Only 3.5% down, with gift funds allowed and sellers permitted to assist with closing costs.
• Flexible Credit Requirements – Great for buyers with limited credit, past late payments, or previous financial setbacks.
• Higher DTI Flexibility – Ideal for borrowers with student loans or newer employment history.
• Fixed or Adjustable Rates – Choose from 15- or 30-year terms, including ARM options if desired.