Young couple and dog playing instruments together in their home

FHA Loans

Move up to a new home with little money down.

What is an FHA Loan?

FHA loans are mortgages insured by the Federal Housing Administration, a federal agency within the Department of Housing and Urban Development.

FHA mortgages are government-assisted alternatives to conventional financing and are great options for those who want to put less money down or who have lower credit scores. They are popular for home purchases and for refinancing. While these mortgages do require expenses in the form of monthly mortgage insurance, they still enable many homeowners who don't qualify for conventional financing to purchase or refinance a home.

Low down payment options

Plus, friends or family can assist with your down payment.


Qualify with less-than-perfect credit

Underwriting is less strict and more understanding of past credit problems because of the government guarantee.


Affordable monthly payments

Mortgage payments may be more affordable because FHA loans may offer lower interest rates.


Ready to make a Smart Move?