Loan Programs

FHA Loans

FHA loans are insured by the Federal Housing Administration. Their credit and down payment guidelines can be more flexible than many conventional options.

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Overview

Flexible guidelines for many first-time and returning buyers

Who it may fit

  • First-time buyers with a smaller down payment
  • Buyers rebuilding credit or with limited credit history
  • Buyers who may receive gift funds toward a down payment, where allowed

Things to know

  • FHA loans include an upfront mortgage insurance premium and an annual premium, set by HUD.
  • The home must be a primary residence and meet FHA property standards.
  • FHA loan limits vary by county.
  • Mortgage insurance rules differ from conventional loans, so we'll compare total costs side by side.

Eligibility, terms, and availability depend on your situation and on lender and program guidelines, and are subject to change. Not all borrowers will qualify. No rates are quoted on this site.

Other Loan Programs
ConventionalVAUSDAJumboRefinanceSelf-Employed & Bank Statement

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