First-Time Homebuyers & FHA Loans
Affordable, flexible mortgage options designed to make buying your first home easier, more accessible, and less stressful.
Why First-Time Buyers Choose FHA & Low-Down-Payment Loans
Buying your first home is a major milestone — and it shouldn’t feel overwhelming. FHA and first-time homebuyer loans offer lower down payments, flexible credit requirements, and more room for real-life financial situations. These programs are designed to help new buyers enter the market confidently and affordably. Whether you're working with limited savings, building credit, or navigating your first mortgage experience, these loan options open the door to homeownership with support, guidance, and predictable payments. With competitive rates and government-backed security, FHA loans remain one of the most popular and beginner-friendly mortgage programs available today.
Key Benefits
- Low down payment options
- More flexible guidelines than conventional loans
- Great for buyers with limited credit history
- Down payments as low as 3.5%
Considerations
- FHA requires mortgage insurance (MIP)
- Loan limits vary by county
- Home appraisal may be required
Typical Requirements
- FHA Loan Require Minimum 580 credit score for 3.5% down
- FHA Loan Requires 2-year employment/income history
- Income limits may apply depending on the program