◆ FHA financing
FHA loans, priced properly.
Government-backed flexibility for thinner credit files and tighter budgets.
3.5% down
Minimum down payment
580+ FICO
Typical credit floor
21 days
Average close
What you get
Program highlights
Down payment as low as 3.5% with a 580 score
Seller can contribute up to 6% toward your closing costs
Higher debt-to-income tolerance than conventional
Assumable — a real asset if rates climb later
Who it's for
Best fit
First-time buyers, credit rebuilds, and higher-DTI borrowers.
Not sure this is your lane? That's a five-minute conversation, and we'll tell you straight if a different program serves you better — including one that pays us less.
Check my eligibilityCompare
Other programs worth a look
◈
Conventional
The workhorse loan. Best pricing for strong credit, as little as 3% down.
Explore Conventional →
★
VA
Earned benefit financing for service members, veterans, and surviving spouses.
Explore VA →
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Jumbo
Financing above conforming limits, priced through our portfolio desk.
Explore Jumbo →
◉
DSCR / Investor
Qualify on the property's rent, not your tax returns.
Explore DSCR / Investor →
Find out what you actually qualify for.
A soft-pull pre-approval takes about twelve minutes and does not ding your credit. You'll leave the call knowing your number, your payment, and your closing timeline.