Home Loan Options
FHA Loans
Backed by the Federal Housing Administration, FHA loans make homeownership accessible with lower down payments and more forgiving credit requirements.
Highlights
What makes this loan a good fit.
3.5% down payment
Qualify with as little as 3.5% down if your credit score is 580 or higher.
Flexible credit
Approvals possible with credit scores as low as 500 with a larger down payment.
Gift funds allowed
Your entire down payment can come from a gift from family or other approved sources.
Assumable loans
A future buyer may be able to take over your FHA loan at your existing rate.
Higher DTI flexibility
FHA tends to allow higher debt-to-income ratios than conventional financing.
Streamline refinance
Easy refinance options later if rates drop, with reduced paperwork.
Best for
Is this the right loan for you?
Every situation is different. Call Erin and we'll walk you through the trade-offs and find the loan that actually fits your goals.
- First-time buyers with limited savings
- Buyers rebuilding credit
- Households with higher debt-to-income ratios
- Anyone who needs the most flexible qualifying guidelines