Own Sooner with FHA Financing

Say goodbye to 20 % down payments and sky-high credit hurdles. Our FHA-approved team turns renters into owners—often in 30 days or less.

Why Buyers ❤️ FHA

  • Only 3.5 % down: Keep more cash for furniture & repairs.
  • Credit-flexible: Scores 580+ qualify for top tier.
  • Seller-paid costs: Up to 6 % allowed—less out-of-pocket.
  • Streamline refi: Drop your rate later with no appraisal.

Snapshot: Are You Eligible?

  • Credit score ≥ 580 (3.5 % down) or 500-579 (10 % down).
  • Debt-to-Income ratio generally ≤ 43 %.
  • Steady, documentable income (W-2, 1099, or self-employed).
  • U.S. citizen or legal resident with valid SSN.

7 Simple Steps to the Keys

  1. Tap Start on the form above → instant soft-pull pre-qual.
  2. Upload docs & lock today’s rate.
  3. Shop homes within FHA county limits.
  4. Sign contract—leave the heavy lifting to us.
  5. FHA appraisal & underwriting approval.
  6. Final walkthrough & closing disclosure.
  7. Closing day! Grab the keys and celebrate 🥳

FHA FAQs

Is mortgage insurance required?

Yes—an upfront premium (financed into the loan) and a low monthly premium. You can remove it by refinancing once you reach 20 % equity.

Can gift funds cover my down payment?

Absolutely. Parents, grandparents, or close relatives can gift 100 % of your required down payment with a simple gift letter.

What are the 2025 FHA loan limits?

They vary by county—$498,257 (1-unit) in most areas and up to $1,149,825 in high-cost metros. We’ll confirm your limit during pre-qual.

Ready to see your numbers? Scroll back to the top and complete the 60-second questionnaire—no commitment, no SSN hard-pull.