Fha

FHA mortgage programs

FHA loans built for real buyers

An FHA loan is a mortgage backed by the Federal Housing Administration. It's designed for borrowers who might not qualify for conventional financing. Lower down payments. More flexible credit requirements. Easier qualification for first-time buyers.

We work with FHA loans because they work for real people. If you're buying your first home or rebuilding after a financial setback, an FHA mortgage can be your path forward.

The process is straightforward. You provide your financial information. We review it against FHA guidelines. If you qualify, we move to underwriting and closing. No guessing. No games.

FHA mortgage questions answered

Here's what you need to know about FHA loans. If you have questions beyond these, call us and we'll walk you through it.

What down payment do I need for an FHA loan?

FHA loans allow down payments as low as 3.5 percent of the purchase price. This is lower than most conventional loans. If you're buying a home for 250,000 dollars, you could put down as little as 8,750 dollars. The rest comes through your mortgage.

What credit score do I need?

FHA doesn't set a minimum credit score. Lenders like us use our own guidelines. Generally, a score of 580 or higher puts you in position to qualify. If your score is lower, we'll review your file to see if other factors support approval. Bad credit alone doesn't disqualify you.

Do I have to pay mortgage insurance with an FHA loan?

Yes. FHA requires mortgage insurance. This protects the lender if you default. The insurance cost is built into your monthly payment. It's a real cost to understand, and we'll show you exactly what it adds to your payment before you commit.

Run the numbers

See what your FHA payment looks like

Use this calculator to estimate your monthly mortgage payment. Enter the home price, your down payment, and your interest rate to see what you'd owe each month. This includes principal, interest, taxes, insurance, and FHA mortgage insurance.

Home price

Down payment 20% of the home price

Interest rate

Loan term

Property tax (per year)

Homeowners insurance (per year)

This calculator needs JavaScript to work out a payment, and JavaScript is turned off in your browser. The figures above are the loan details it would use — a licensed loan officer can give you an estimate directly.

Calculator results are estimates provided for illustrative purposes only and may not reflect actual loan terms. This is not a commitment to lend, a preapproval, or an offer of credit. Actual rates, payments, and costs depend on credit approval, satisfactory appraisal, and underwriting guidelines. Consult a licensed loan officer for details.

How FHA mortgages work

FHA loans follow a clear process. We handle it from start to finish. Here's what happens at each step.

You apply

We collect your financial information. Income, debts, assets, employment history. Nothing changes hands. This is just us understanding your situation so we can tell you if FHA financing makes sense.
Explore purchase loans
We process and underwrite

Your file moves to underwriting. We verify your income with your employer. We pull your credit report. We order an appraisal on the home. Everything gets reviewed against FHA guidelines to confirm you meet the requirements.
See refinance options
You close

Once underwriting approves your loan, we schedule closing. You sign the documents. You get the keys. You own the home. The whole process typically takes three to four weeks from application to closing.
Start your application

Ready to apply

Start your FHA mortgage today

Apply online or in person. Either way, you're talking to a real loan officer who knows FHA lending inside out. We'll walk you through the requirements, answer your questions, and get your application processing right away.

Begin FHA application (opens in a new tab) Talk to a loan officer first

Applying takes about 20 minutes. Have your income and employment information ready.